Credit card processing in Greensboro. From a guy who lives here.

I'm Joe Hecker. RateKillers is based in Greensboro, and I work with shops all over the Triad. Most owners I meet are paying 3% to 4% and have no idea, because the statement is built so you can't tell. Check yours below. It takes about a minute, and if your rate's already fair, it'll say so.

Do you actually come to my business in Greensboro?

Yes. I'm local, so I'll come to the shop, read your statement with you and set up your terminal myself. When something's off, you call me, not a call center.

What does RateKillers charge?

Two options. Cost-plus: what Visa and Mastercard charge, passed through at cost, plus 0.15% and a few cents per transaction. Or Buyer's Choice: $30 a month flat, where customers who pay by card cover the card cost. No long-term contract, no termination fee, PCI is $129 a year and terminals are included.

Is the calculator accurate?

It uses the same math I use on a paper statement: your volume, your fees and your card mix. It gives you a range, never a too-good-to-be-true number. Your all-in rate can't go below what the card brands charge, and we never pretend it can.

Which areas do you cover?

Greensboro, Winston-Salem, High Point, Burlington, Reidsville and the rest of the Triad in person. Anywhere in the US by phone and email.