• I am dedicated to help you find the perfect fit for your merchant needs.

    Take the puzzle out of processing!

    Contact Me


The best pricing structure for ANY merchant is Interchange Plus - also called Cost Plus pricing.

This structure gives transparency to all rates, fees, and markups charged. It is the only pricing structure used by The Credit Card Lady. The Credit Card Lady is an independent agent representing multiple processors to best suit the needs of each business. There is NO one size fits all!

The Credit Card Lady provides customer service in addition to that provided by the credit card processors.

Merchant Types

  • Retail
  • Restaurants
  • Business to Business
  • E-Commerce
  • Trade Shows
  • High Risk
  • Hotel and Travel
  • Associations and Organizations
  • Non Profits

  • Low cost terminals/new and refurbished
  • Many manufacturers available
  • Landline and IP capable
  • Wireless terminals
  • Smartphone readers
  • POS Systems
  • Virtual Terminals (with many added features)
  • I do not lease terminals

Additional Services

  • Quick Books-Process directly through your Quickbooks program with lower rates than Intuit
  • Mobile Apps and Card Swipers for Android and Mac Devices
  • Online Bill Presentment and Invoice Tool
  • Recurring Payments
  • Check Services
  • Marketing Programs
  • Next day funding available
  • Free Rate Analysis

The Credit Card Cycle

The Participants in Credit Card Processing

  • The customer
  • The merchant
  • The payment gateway (e-processing)
  • The acquiring bank’s processor
  • The credit card interchange
  • The customer’s credit card issuer
  • The merchant’s bank

  • Contact

    Send a message to The Credit Card Lady via email at barbara@thecreditcardlady.com

  • Are you paying an Annual Fee?
  • Are you paying the same rates for MasterCard and Visa?
  • Do you have only one or two Rates?
  • Does your statement have Qualified, Mid & Non-Qualified Rates?
  • Does your statement have additional fees from a previous month?
  • Do you have a minimum charge each month (low volume merchants)?
  • Do you have a “Free” terminal?
  • Do you have a “Leased” credit card terminal?

  • If the answer to any of the questions above is yes, it may be time to get a rate analysis
    in order to find out what your business could save!


    “Barbara Chase is one that we can recommend with the utmost of confidence. The decisions and recommendations that Barbara has suggested over the years have always been beneficial to our company. Her wisdom and job knowledge are second to none. She works hard for her clientele and her integrity is above question. We think you will find that she will exceed all of your expectations. She is not only our ‘Credit Card Lady’ but our friend.”

    Wayne Dougharty
    Owner | Wayne’s Landscape Supply