5 Ways to Save Money and Get More out of Credit Card Processing


Small business owners across the US are constantly being solicited by credit card processing companies via telephone, postcard and sales visits with offers of "The Best Rates", "The Lowest Rates", "Free Credit Card Terminals". Many of them are promised there is "No Contract" or that they can "Cancel at Any Time".

These same business owners find themselves paying significantly more after review of their first few monthly processing statements. Sadly, many do not even realize it for months or even years. They have simply chosen to trust their salesperson that their businesses best interests were being protected.

Most of these business owners end up locked into 3-5 year processing contracts with early termination fees of $250 - $750 or more. Many of them are even locked into expensive leasing contracts for 48-60 months on hardware they could purchase for a fraction of the total cost of leasing.

Small business owners are and should be busy focused on what they do best. This leaves them little time to devote to the subject of credit card processing, merchant accounts and rates for accepting credit cards. They want to spend their time and energy developing their business.

These tips will help business owners save time, money and stress no matter who they choose for credit card processing

  1. Learn the Language of the Merchant Services Industry - With such a large and ever-expanding glossary of terms and definitions it may seem a daunting task to understand it all - Here is a great resource from the Electronic Transactions Association - http://www.electran.org/glossary/


  2. Look for a Short Term or Month to Month Contract - If a company is really going to deliver on their promises and provide low rates, great service and access to the programs and technologies business owners need, they won't need a contract to keep a business owner satisfied and loyal. All business owners should ask for and review the merchant applications and program guides with complete rates, fees, terms and conditions before signing.


  3. Customer Service Is Key - In the rush to get the lowest rates and fees many business owners lose sight of other important issues like customer service and support. Be sure to inquire about 24/7 toll-free technical support, local support, sales and customer service contacts numbers and email addresses.

    Remember "If you think it's expensive to hire a professional to do the job, wait until you hire an amateur". - Red Adair


  4. References, References, References - If the credit card processor a business owner is considering can really live up to all the expectations they are setting, there must be at least a few examples of current customers receiving the quality service, low rates and other benefits they are offering. Look for testimonials and contact a few references


  5. Ongoing Review - The most important thing is to ensure that business owners continually review, monitor and audit their processing activity, statements, and costs. Many merchants fall victim to this and simply do not notice when their rates and fees are increased and /or additional fees are added. Just because they have negotiated a good deal now does not mean it will always remain that way. All credit card processing providers should be willing to provide a rate review every 6-12 months. 

    We here at Dependable Solutions would be happy to work with your business no matter how large or small. We strive to service our customers with the best rates & customer service, WITH NO CONTRACTS. Feel free to reach out to us today about how to you can start saving money from a local honest company. 

    Office - 717-806-5429

    Email - info@dependablesolutions.org

16 Reasons To Start Your Business



Sitting here in a parking lot as my Wife & Sister shop on Black Friday as I entertain the kids with a movie in our GMC, I begin to think of how blessed I really am for having the finances & freedom to take 6 days off and spend with family over the holidays. I didn't have to put in a request, take vacation time, my wife and I just decided to jump in our vehicle and drive 5 1/2 hrs south to Va. 

If you’re an entrepreneur you have heard the million reasons not to go into business: It’s too risky, you might go into debt, you’ll probably lose sleep, your social life is kaput, and the list goes on & on. But even with all these uncertainties, people are still attracted to the startup world. There are just as many, if not more reasons to take the leap and go start your own business.  Here are just a few I can think of while I wait on the shoppers:

1. Spare Time 

This one can take some time.  Initially you’ll work longer hours for less pay.  But if you do it right, you could start to master your schedule and the freedom that being an entrepreneur provides is awesome. 

2. A Story To Tell

Whenever I tell someone I run my own business, they always want to know what I do, how I do it and how it’s going. I always am able to provide a tale or two, and the best part is that I get to determine the story's chapters. (When working for a corporation, people most likely have less input.)

3. Tax Benefits

For entrepreneurs (freelancers included), they have the opportunity to take advantage of some nice tax perks. Many can write off expenses like travel, food, phone bills, portions of car payments, and the list goes on. Also, certain startups qualify for government incentives. Make sure to ask your accountant about what tax benefits you may be eligible for.

4. Pride

When you build something successful, it’s a great feeling. You had a vision, were able to execute it and not can reap the benefits of saying "I did this." On the other hand, it’s tough to be proud of the zillionth request for proposal you fill out for your employer.

5. Your Future Generations

If you’re a doctor, plumber or bus driver it’s hard to imagine you passing your career on to your loved ones. But if you own your own business, that’s something you can pass on to the next generation. And be proud of it, because you created it.

6. Job Security

Have you ever been laid off, downsized, or fired?  If you have, you get this. With entrepreneurship the security lies in the fact you are your own boss. You run the show and don't have to worry about getting let go.

7. Networking

Entrepreneurs are communal creatures.  We love to meet each other, swap stories, and learn from each other’s experiences. Your circle of friends and acquaintances always grows when you become an entrepreneur, as many founders need others to lean on to survive and talk about the challenges only known to them.

8. Doing Good

While this isn’t exclusive to entrepreneurs, it’s definitely a perk. You control where your company profits go and if you choose, you can give allocate your financial gains to others. You can give more to your Church, sponsor a charity, a non-profit or just personally give back to the community.  This is quite honestly one of the best parts of being an entrepreneur.

9. Mentorship

Having had mentors and getting to be a mentor have been some of the best experiences of my life.  Learning from the masters and getting to help those less experienced than you gives you such a sense of satisfaction. From my experience (and other's stories) the entrepreneurial community is very willing to give back and lend a helping hand.

10. Becoming An Expert

This point goes along with mentorship.  Regardless of what you do as an entrepreneur, if you stick with it, you’ll probably become very good at it. And this gives you a sort of soapbox, so use it. You'll have the chance to be interviewed for your expertise, write about it and get to spread your message.

11. Skills

People ask me how I learned about Merchant Services and  I tell them that I was forced to learn them, otherwise I wouldn't survive.  The same way I was forced to learn countless other skills I picked up because I was the only resource I had. While developing new skills can be tough and takes times, it can pay off in spades.  These skills will be invaluable throughout your life.

12. Determination

Everything I’ve done as an entrepreneur has affected me in my personal life.  I used to be poor at committing to changes. But having been an entrepreneur for the last 2 1/2 years has forced me to become dedicated and determined to causes. (Now I can stick to an exercise plan much easier.)  I’m also better at being a father and husband because of that determination I learned.

13. Recognition

There are literally thousands of local, regional and national awards that recognize entrepreneurs in every field and industry. This shouldn’t be your only reason to start your business, but it certainly is a great feeling when you receive this recognition.

14. Financial Independence

Let’s be honest, this is probably the biggest reason people get into business for themselves.  And that’s a good thing!  You should want financial independence.  However you define financial independence – retirement stockpile, unlimited cash potential or having the money to buy what you want --  entrepreneurship can allow you to achieve it. Trust me, money doesn’t buy happiness, but it does make finding happiness much easier.

15. Your Brand

Being known for something is awfully enjoyable.  People may start referring to you as the credit card guy, marketig guy, the retail maven or the software guru.  Whatever it is you’re recognized as, it’s fun to build that brand and earn that recognition.

16. Your Reason

I’ve given you a list of why I think you should start up your own business.  But all that really matters is YOUR reason to start your own business.  So, what is it?  Tweet out this story and add your reason.  Comment below and share with us why you did it.  I know it will be a good one. 

Glenwood Foods Saves Over $20,000 A Year By Switching Processors

We are happy to welcome Glenwood Foods to the Dependable Solutions family!

Glenwood Foods is a Family Owned and operated Discount Grocery Store based in Ephrata Pa. Visit them today to Discover why locally owned and family operated they are the grocery shopping destination for customers who value quality and appreciate savings. 

Unlike some small discount stores that offer only a limited selection of grocery items, Glenwood Foods offers the full range of departments you would expect to find in a supermarket but without their super high prices!

Glenwood Foods felt very comfortable to process the customers credit cards through Santandar Bank until they found out they were paying much higher fees then they should be. 

Amos began conversations with Dependable Solutions after the owner Derek Weidman stepped in to talk with him about what Dependable Solutions could offer. Taking advantage of the DepSol Challenge they found out could save over $20,000 in one year on processing fees. 

 If you think your business is paying to high of fees every month to process Credit Cards, contact us today and take the Depsol Challenge to see how much you can start saving! 

Office: 717-806-5429

Email: info@dependablesolutions.org


5 Ways To Establish Long Term Relationships With Clients

Everyone knows customer relationships affect the success of your business, but few understand how impactful loyalty is. One study reported that 89 percent of consumers have stopped doing business with a company after experiencing poor customer service.

Bain & Co, meanwhile, reports that a customer is four times more likely to buy from a competitor if the problem is service related, rather than price or product related. Competition is fierce, and your customers may not remain customers long if you don’t take active steps to build your acquisition efforts and secure their loyalty.

To show you how to maintain a devoted customer base, here are five tips and insights to build strong customer relations with you customers.

1. Engage with your customers -- but at the right time. 

According to a recent study conducted by Totango, 81 percent of customers are willing to pay for a high-quality customer experience. This shows that experience matters as much as the product itself. With proactive, well-timed engagement with customers, you can make sure they are getting all the support they need before they even ask.

Take Sidekick by HubSpot. One week after you create an account, the company follows up with an automated email customized to reflect your last interaction with the product. For example, if you’ve signed up with Sidekick but haven’t engaged with it heavily yet, the follow-up note provides tips on how to use the two most fundamental features.

2. Understand what value you provide to customers, and maintain it. 

Customer interactions are too often treated as one-off instances. I can't tell you how many times I get told by a new client that they haven't heard from their previous sales rep since they got set up with them. If you want to succeed, it is crucial to understand the customer experience as a journey with a long string of interactions, continually building loyalty.

Trader Joe’s is famous for valuing their customers by continually imagining new ways to make the shopping experience easy and enjoyable. Market researchers agree that Trader Joe’s strategy of rapid checkout lines, well-curated product selection, deals on items we all love such as wine, and an array of sample foods keep customers coming back.

3. Monitor customer behavior every day. 

If you want to keep customers on board long term, you must understand how customers are engaging with your product throughout their journey with it. Best-in-class companies understand that historical snapshots of customers no longer cut it. Instead, to make their actions actually matter, they are using sensor-based capabilities to collect real-time feedback, which they act on immediately.

On the verge of its IPO, file-sharing company Box has mastered the art of predictive analytics to ensure customers are using the platform properly. Through its various monitoring systems, Box learned that their system of evaluating the number of customer users then projecting a price for that company was not working efficiently.

Through real-time feedback, the Box product team realized more customers wanted to consume Box “on more of a usage basis.” This product adjustment would not have been possible had its team not been closely monitored what customers wanted in real time.

4. Prioritize customers by knowing who needs your immediate attention.

Rapidly growing grocery-delivery service Instacart knows how to draw customers in -- and keep them. This inspires me in my ever changing industry that my company is in. We however have maintained a great customer base who has stayed with us through the changes. Instacart sends well-timed text messages and emails, updating users on the status of their delivery. After users receive their groceries, Instacart asks you to rate your experience between 1 and 5. Instacart follows up with a personalized email to every user who gives below a “5” and responds within 10 minutes to any concerns.

One recent study claimed 42 percent of consumers complaining on social media expect a response within 60 minutes. When you are managing multiple accounts, you need to know which customers need your attention so you can distribute your time and resources efficiently.

Every customer success team should have a system that evaluates both self-reported feedback and contextual customer actions to create a prioritized list of customers who require follow up. Ultimately, that list will include the users who are at risk and need your help as well as those who are most engaged and ready to get to the next level.

5. Don't limit yourself to only large corporations. 

McKinsey reports that 70 percent of buying experiences are based on how the customer feels they are being treated. This means that investing in lower revenue accounts can be valuable: a customer’s value grows based on their experience.

Today’s winning companies serve a wide range of customers, from small and mid-size businesses to large enterprises, and cannot afford to view customer success through the traditional low- and high-touch account-management lens. Make sure you are monitoring all accounts -- not just high powered ones -- to ensure 100 percent of your user base is successful, engaged and receiving the attention they need.

I have built a 6 figure company in less than 2 years by targeting small business clients. No client is too small and every client matters to your business. Develop this mindset today.

A customer's decision to remain loyal to your company or move on to a competitor often hinges on the level of support they receive. Data from Totango shows that 90 percent of churn is preceded by poor product usage. By focusing on all of your customers -- not just a select group -- you can ensure every user has the tools needed to take full advantage of all product features. 

6 Traits Of A Successful Salesman Learned From Derek Jeter


Sitting here in a local establishment for lunch I watch as ESPN cover Derek Jeter’s fairytale end to a fairytale baseball career. Here are a few facts, he had 12,000 plate appearances, Jeter struck out over 1,800 times placing him 13th on the all-time strikeout list. And yet, Jeter is widely considered to be the greatest ballplayer of his generation. He, much like Babe Ruth before him, trained himself to overcome the fear of striking out in pursuit of getting on base.

Great salespeople do the same thing everyday. Being a sales professional requires a special kind of mental toughness to ignore all of the times the word no is spoken in pursuit of yes. In my experience, there are six  traits found in every extraordinary salesperson that help define this resiliency. Here are a few things I learned from the career of Derek Jeter 

1) Achiever

Sales professionals invented the use of game mechanics in the workplace. Leader boards, the President’s Club and special incentives have been part of the institution of sales for decades. It is effective because salespeople care so much about winning. Achievement—more so than money—is the primary motivation for the best reps. They want money, of course, but they also want the thrill of winning the big deal and being recognized by their peers.

2) Focus

Exceptional salespeople don’t get flustered. They have a Zen-like ability to focus on the specific task at hand while exuding an aura of calm confidence. In the early 1980s, the Macintosh development team used the term “reality distortion field” to describe Steve Jobs’ charisma. Winning salespeople typically have a flavor of this condition that makes them unflappable in the face of challenges.

3) Excellence

The average tenure for a VP of Sales is 18 months. That is CRAZY!  The reason it’s not 24 or 36 months is that somewhere along the way they get surprised by a missed forecast and don’t have enough time to backfill the lost deal. That’s why the very best salespeople obsess over every detail of the presentation. They dress rehearse meetings. They’re at Kinkos at 5:30 a.m. meticulously assembling the proposal. Good salespeople hate surprises. And the best way to reduce the chances of being surprised is to focus on every detail of the process. In the years of contaminated professional sports Derek Jeter has managed to carry himself a step ahead of everyone else. A valuable lesson any of us salesman can learn from.

4) Loyal

The stereotype of salespeople is that they are constantly scheming to line their pockets with the customers’ money. While this might be the case for bad sales reps, the opposite tends to be true for exceptional salespeople. The best are intensely loyal to their customers and step in to solve problems. If things happen to go awry after the sale, the sales rep works on their behalf to fix the situation. This is the social contract that all great salespeople live by.

5) Optimistic

 Salespeople are optimists. They have to be to survive the emotional rollercoaster of winning and losing deals. But that optimism is often balanced by a healthy dose of paranoia. The best salespeople constantly ask themselves how could this go wrong? In one column, they will write down all of the ways in which they could lose the sale. And then in another column they write down what they are going to do to reduce the risk of that happening. 

6) Toughness 

Over my sales career I have went through extreme high's of closing 20 plus sales a month in Merchant Services sales, to extreme lows in dealing with long drawn out fleet management sales. But through everything I have learned that mental toughness is half the battle. If you have what it takes to be told no on 50 consecutive times just so you can get the yes on the 51st pitch, then you are on the path to an exceptional career in sales. Possessing these six traits will get there faster.

A Lancaster County Pa Business Finally Finds A Local Family Owned Merchant Services Company


We welcome Weaver's bike shop in Ephrata PA to the Dependable Solutions family today. Weavers bike shop has been servicing the Ephrata area since the 50s. They specialize in Fuji bicycles and Marin mountain bikes. They also offer full-service on all bike models.

Nine years ago when the owner Samuel Weaver started to except credit cards he had a terrible experience with EMPS. He's had nothing but negative experiences since Dealing with Prodigy Payments, Susquehanna Merchant Services, PNC Merchant Services, Certified Payment Processing, and his most recent one Prestige Payment Systems.

He has tried everything to be able to take credit cards for payment in a affordable way but has not had a single positive experience yet. Companies misleading him in miscellaneous fees, misleading him in supposedly free equipment and then it turns out to be a lease, all to which he even thought to stop taking credit cards for payment. 

Samuel began discussions with Dependable Solutions about saving him money but really he was interested in dealing with a local company that he could trust.

 "I never even knew that I could deal with a family owned & operated company with merchant services"Samuel Weaver 

After reviewing his statements and performing an analysis we at Dependable Solutions were able to save him over $1,200 in a years time. 

We at Dependable Solutions are excited to have Weaver's Bike Shop apart of the family and we look forward to servicing him in the years to come. If you find your experience much like Samuels please give us a call today so we can help you have a positive experience with your merchant services provider.

Office - (717) 806-5429

Email - info@dependablesolutions.org

Susquehanna Bank Merchant Services Over Charges Ephrata Business $1,800 A Year


Ken's Educational Joy's in Ephrata Pa has been providing the area with educational crafts since 1992. This has been personally fulfilling for owner Kenneth Sauder as he sees families coming in and buying crafts they all can enjoy & learn from. 

After Kenneth gave Dependable Solutions the opportunity to look at his credit card fees he was shocked to learn that he could save over $150.00 a month with Dependable Solutions at no upfront cost. Now he can trust that another family operated business is looking out for his businesses well being. 

If you feel your paying too much in Credit Card processing fees, let us at Dependable Solutions take an honest look at what we could do for you. Call us today and ask us about the DepSol Challenge 


Office - (717) 806-5429

Email - info@dependablesolutions.org

Prodigy Payment Systems Over Charges Business $2,100 For Equipment


Rob’s Rod Shop was founded in 2004 as a part time hobby business.  Their primary service was to assist vehicle owners with restoration or modification of their muscle car era vehicles. 

Today they are a full-time traditional speed shop. They have both a brick and mortar storefront with shop area, as well as their webstore.   

Their focus is on upgrading 1960’s & 1970’s muscle cars, and 1980’s through early 1990’s domestic performance cars and trucks while retaining their original character.  They provide both parts and service on suspension, brakes, ignition, wiring, fuel systems, engine, transmission, and axles.   

Ask them about available upholstery services. 

Rob’s Rod Shop specializes in cars of the former Chrysler Corporation.  Muscle car era GM, Ford, and AMC products are welcomed as well. 

  •  Rob’s Rod Shop is a member of the Specialty Equipment Market Association (SEMA). 

  •  Rob’s Rod Shop supports Maple Grove Raceway's Money Trail race series.More Info 

  •  Rob’s Rod Shop was featured in the April-May 2013 issue of Cruising Magazine. More Info 

4 years ago they contacted Prodigy for their Merchant Services needs. They regreted it ever since. Prodigy locked them into a unnecessary long-term lease agreement for their equipment. They pay over $40 a month for 48 months totaling over $2,100 for a machine they could have bought outright for $375.

They now process with Dependable Solutions and are happy to not only deal with a business who is local but also who they can trust to keep their best interest in mind. 

If you would like more information about dependable solutions please contact us today

Office: 717-806-5429

Email: info@dependablesolutions.org

Fulton Bank Merchant Services Cost A Paradise Pa Business $10,000 A Year In High Processing Fees


We welcome Amish Trader in Paradise Pa to the Dependable Solutions family today. 

Amish Trader started out working directly with Amish craftsmen and distributing their high quality handcrafted products directly to store owners. They eliminated the middleman with their daily "cash & carry" warehouse and shipping department. This enabled them to offer the best prices thus giving you the edge over your competition. Amish Trader now distributes all the items displayed on their site plus an expanded line of country, primitives, fence, garden items and gifts from around the world.

The Amish Trader warehouse is in Paradise, PA, in the heart of the Amish country (Lancaster, PA) located half way between Philadelphia and Harrisburg. We encourage you to visit this beautiful part of Pennsylvania and stroll the aisles of their store while on your vacation.

Amish Trader Distribution is a wholesale ONLY business so be sure to bring your business credentials.

If you have any questions CALL THEM (717) 442-4141

About a year ago we begin our discussins with the owner Gill concerning their credit card processing fees. After Gill got over his feeling of commitment to his local bank Fulton Bank he sat down with us to do an analysis of his monthly statement. In doing so he learned that Fulton Bank Merchant Services was charging them over $10,000 a year in high unescssary fees after making the switch to Dependable Solutions.

 If you would like to see if Dependable Solutions can save your business money contact us today. 

Office: 717-806-5429

Email: info@dependablesolutions.org

Yoder Industries Saves Over $1,200 A Year After Leaving EMPS Merchant Services


Yoder Industries, LLC located in Leola Pa specializes in precision cutting services. Since 1994, they have been advancing their technology to meet their expanding customer base. In addition to their laser cutting machines, they now have a 5-axis water jet which allows them to add edge bevels up to 60 degrees. Their warehouse is well-stocked with raw materials to facilitate customer service. They can cut a variety of materials from .010 to 6 inches thick, including:

  • Steel
  • Aluminum
  • Stainless Steel
  • Titanium
  • Brass
  • Copper
  • Rubber
  • Foam
  • Plastics

Their multi-axis brake press will put the finishing touch on your parts. Whether you need one part or thousands, Yoder Industries can provide you with precision parts. They are dedicated to providing quality parts at competitive prices in a timely manner to put you on the cutting edge.

Contact them today for a free estimate on your next laser or water jet cutting job.

EMPS has been handling their credit card processing needs for the past few years. After we contacted them about our rates and fees they were interested in having us come in and see what savings we could drum up.

After the review we found that we can save them over $1,200 a year in processing fees. EMPS was charging them $14.95 to process through the First Data Gateway. Where our cost as an ISO is only $4.95. After reviewing that with them they decided to buy 2 machines that would ready for the EMV cards that are coming out soon eliminating that $14.95 charge as well as multiple high rates and fees.  

 If you feel like your business is being charged too much in processing fees, contact us today for a free analysis.

Office: (717) 806-5429

Email: info@dependablesolutions.org

Central Payment Cost Business $6,000 A Year In High Fees


We welcome the volleyball corner and Lancaster PA to the Dependable Solutions family today!

If it is for volleyball, they have it.  Their selection ranges from net systems to shoes and kneepads to volleyballs and everything in between.  They have been proudly serving the volleyball community from their retail store in Lancaster, Pennsylvania since 1986.  To meet all of your needs, they carry a wide selection from top manufacturers such as Asics, Mizuno, Under Armour, Nike, Baden, Molten, Mikasa, Spalding, Wilson, and Tachikara.

For the last three years they have been processing their credit card transactions through Central Payment. Holly Helm one of the owners, would keep a close eye on the fees that would go out every single month associated with the credit card transactions. And she noticed it would cost them anywhere from 3 to 4% in total fees.

Overtime she thought that this was too much to to pay for credit card fees. But she knew in this day & age she had to except credit cards because that is the preferred payment these days.

About a year ago they begin conversations about changing credit card processors. Holli really wanted to deal with someone local so that they would have a local rep to have a face to face interaction who could service them. After looking into Dependable Solutions they felt that it was the right way to go. So we sat down and did a cost analysis for them and found that we would be able to save them over 50% a month on their monthly statement saving them over $6,000 a year and credit card processing fees.

If you are paying over 3% in credit card processing fees contact us today and start saving money! 

Office - (717)  806-5429

Email - info@dependablesolutions.org

The Fine Print Behind The Costco Merchant Services Program



Similar to Sam’s Club merchant services, Costco offers merchant services to its members. Costco has good prices on bulk groceries and other items, but is it a good place to go if you are looking for a new Merchant Account? Maybe not. Read more to find out why.

Costco uses a company called Elavon, Inc. formerly NOVA, to provide their merchant processing services. NOVA Merchant Services changed their business name (much like other merchant services companies) because NOVA had too many "Ripoff Reports" and poor reviews about them. They changed their Business Name to Elavon a few years back.

Elvavon Inc. is a subsidiary of U.S. Bancorp. At first glance it appears that Costco has great rates – 1.38% and $.19 cents per card-swiped transaction.

When you look at the fine print on the Costco credit card processing page you will notice the following:

  • Rates listed are for qualified transactions
  •  A  Monthly Minimum charge may apply
  • A $25 Application Fee applies for Non-Executive Members
  • Rates and Fees may change without notice
  • This promotional offer is valid for a limited time
  • Additional Fees may apply in certain circumstances

After you read the fine print you might ask yourself, What am I getting myself into? If rates and fees can change, what am I actually committing to and for how long? Also, if the rates they quote are for “qualified transactions”, what is the rate that I will pay if the transaction is a rewards credit card for instance?

Costco offers Tiered pricing. At Dependable Solutions we only provide Interchange Plus pricing because it is most cost effective for merchants. 

Before enrolling in a Costco merchant account, ask them these questions:

  • How much is the Cancellation fee if I decide to cancel my merchant account early?
  • Will I pay a monthly PCI Fee? If so, how much?
  • Does my business qualify for the Visa “Emerging Market” Interchange rate?
  • Does Elavon pass the Durbin Amendment savings onto to the merchant?
  • Does Elavon have a way to pass Level 2 and Level 3 data for business-to-business transactions?

At Dependable Solutions, we focus on education to make sure you completely understand Interchange Plus pricing and all the different solutions available so you can make the right decision for your business. In addition, at Dependable Solutions we never lease a terminals. We only sell them at a fraction of the cost of leasing them or purchasing them directly from Costco.

If you would like to learn more about the solutions we offer, contact us today. 

Office: 717-806-5429

Email: info@dependablesolutions.org


Elavon Merchant Services Cost A Wasco Ca Resturant Over $2,000 A Year In Extra Fees


We welcome Hoyett's Sandwitch Shop in Wasco Ca to the Dependable Solutions family today! 

Hoyett's Sandwitch shop has been apart of the Wasco cmunity since 1940! This local establishment offers some of the best sandwiches I have ever tasted. Their Pastrami Sandwitch is by far the best I ever had. They only serve the freshest and the most quality meats they can get their hands on. They also create their own signature sauces that add to the flavor of the sandwiches.

Four years ago when the owner Kevin bought the business he adopted the merchant services account that was through Elavon Merchant Services. He always felt that the cost was too high but never thought much of looking into the other companies that reach out to them about savings. 

However when he heard of Dependable Solutions he was open to have us come in and perform a statement analysis for them. After a detailed analysis was done, we found they Elavon was over charging them by over $2,000 a year in high rates and numerous miscellaneous fees.

If you own a business and would like to see how much Dependable Solutions can save your business, contact us today.

Office: 717-806-5429

Email: info@dependablesolutions.org

Capital One Merchant Services Cost A Pottstown Business Hundreds Of Dollars In Extra Fees


We welcome Robert Roland Autosales in Pottstown PA to the Dependable Solutions family! 

Robert Roland Auto Sales is your one stop place where you can buy a quality used car, have any of your notary needs met, and rent a reliable car.  


You will be greatest by friendly & knowledgable staff who will direct you in the right direction and answer any questions you may have. If your in the Pottstown area and have any auto needs, go see Robert & His staff.

Robert was processing their credit card transactions through Capital One Merchant Sercices. When we first walked in his office he was satisfied with them. But after he have us the opportunity to perform an analysis of his fees, he quickly found out that he was paying too much in fees. 

With Dependable Solutions he was able to get off a tiered program and onto a cost-plus program with no transaction fees, batch fees or any other nonsense miscellaneous fees. By doing this Robert was able to save his company over $1,000 in a years time. 

 If you own a business and you would like to see what Dependable Solutions can save you in a years time contact us today

Office: 717-806-5429

Email: info@dependablesolutions.org

A Lancaster City Furniture Store Leaves PNC Merchant Services & Saves $3,000 A Year


We are happy to welcome "Lancaster's Furniture To Go" in Lancaster City Pa to the Dependable Solutions family today! 

Lancaster's Furniture To Go was established in 2005 to offer customers a better alternative to traditional furniture stores. Located in Lancaster County, PA, their store provides a great selection of furniture for every room in your home at prices that are so good, you'll be able to furnish another room for what you would pay somewhere else!!

They figured it out. We want to save money on whatever we purchase so they work on smaller margins than a traditional high-priced store.

They are here to serve your furniture needs by offering the latest styles of furniture with no frills, budget-friendly prices. Their new eCommerce website makes it even easier for you to make your purchase without leaving your home.

So go ahead and browse their new site or visit their storefront location off Manhiem Pike and begin saving money today. 

They have been processing with PNC Merchant Services for the past few years. Jay the owner has had some nitmares in the past when it came to switching merchant services providers however he felt good about Dependable Solutions when he heard of us. 

He particularly liked that we offer wholesale percentage rates with no contract and no need to buy new equipment. After reviewing his PNC statements with him we found that we could save him over $3000 each year in merchant services fees alone. 

 If you own a business and you are interested to see what we could save you in a years time contact us today.

Office: 717-806-5429

Email: info@dependablesolutions.org

Hardware Store In Ephrata Pa Leaves GD-Pay To Deal With A Local Company


We are Happy to welcome Sensenig Hardware Store in Ephrata Pa to the Dependable Solutions family today! 

Located in the heart of the farmlands of PA Dutch country, Sensenig Hardware has been faithfully serving locals of Ephrata, New Holland and the surrounding communities since 1941.

With their promise of "You'll Find It Here" Sensenig Hardware is an authentic country store that combines a full range of traditional and specialized departments with friendly and knowledgeable customer service.

They had been using GD-Pay for their merchant services in the years past. But when they heard about Dependable Solutions and how they can have a local family-owned and operated business take care of their merchant services needs, they were quickly interested. 

After doing their homework and checking up on Dependable Solutions they found that we are a reputable company with our customer base. They contacted some of our customers and we're happy to hear that all of them gave us a great recommendation. 

We were able to come in and lower their cost as well as provide them with that local support but every business desires. If you want a business and you would like that same type of support and savings give us a call today. 

 Office - 717-806-5429

Email - info@dependablesolutions.org

We Are Giving You 150 Reasons To Switch


Do you have an existing merchant account with another provider, but are tired of the high processing rates, the hassle of third-party gateways, or the spotty customer service? We’re giving you 150 reasons to switch to Dependable Solutions: If we can’t help you save money, we’ll give you $150 just for letting us try. We call it the DepSol Challenge

Switching Is Easy

Give us a call! Our merchant account specialists will work closely with you to make the transition as simple as possible. We’ll transfer your account information to your new Dependable Solutions account, and can have most accounts activated and operating within 24 to 48 hours. You’ll still be able to accept credit cards through the transfer process, so your business remains up and running without any lost time or money.

An All-In-One Credit Card Processing Solution

When you switch to Dependable Solutions, you have access to a full suite of credit card processing products designed to meet your unique needs. Whether you’re a retailer in need of secure credit card terminals, or a small business owner looking to expand to e-commerce, we’ve got the processing solutions for you. Our products include virtual credit card terminals, ACH payment processing, tokenization, secure hosted payment forms, mobile credit card processing and more. We combine our products with a secure payment gateway, for the services you need all under one roof and on one simple statement.

Give us a call today to take the DepSol Challenge, and start making the switch!

Office - 717-806-5429

Email - info@dependablesolutions.org

Groff's Candies Leaves National Penn Merchant Services To Save Money


We welcome "Groff's Candies" to the Dependable Solutions family.

Ruth and John Groff grew up in families with a long standing tradition of producing good home made foods. At age 15 (1956), Ruth was allowed to make something to sell at the local Farmer's Market instead of receiving wages for working on the family farm. Her delicious fudge became their specialty.

Today, Groff's Home Made Candies produces a wide variety of home made candies which include fudge, chocolates, and brittles. They also have become well known for their "Sugar Free" chocolates and peanut brittle.

With two locations in Lancaster County One in Lancaster and the other in the Bird-I'm-Hand farmers market, Groff's Candies has developed a loyal customer base thoughout the Northeast.  Known for exeptional taste and friendly Customer Service Groff's Candies has become popular with locals and tourists alike.

Now you too can try some of the best home made chocolates in America.  Order a pound or two and you will see why people drive out of there way for Groff's Candies.


For the past 3 years Groff's Candies has delt with their local bank which is National Penn for their Merchant Services. Much like a lot of people these days, they felt like their bank would give them the best deal when it comes to Merchant Services. And time and time again we find that it's really the opposite.

Groff's Candies reached out to us and wanted to see what we can do to help cut some cost on their Merchant Services. We came in found that they had a 6% overal effective rate! So we gave them a flate low cost rate that lowered their overal effective rate to 2% saving them hundreds of dollars.

 If you would like to see what Dependable Solutions can do for your business when it comes to your Merchant Sercices, Contact Us Today!

Office - 717-806-5429

Email - info@dependablesolutions.org

TSYS Merchant Solutions Takes Advantage Of Downingtown Garage For 4 yrs


We welcome Phillips Automotive & Performance in Downingtown Pa to the Dependable Solutions family today. 

Phillips Automotive and Performance, is owned and operated by Mike Phillips, an ASE-certified master technician. He is also a certified master technician with multiple manufacturers, including Nissan and Hyundai. With over 16 years’ experience in the automotive field, Mike has been the head technician for both independent vehicle repair shops and dealerships.

In 2010, Mike was tired of working in the typical dealership environment that encourages technicians to sell unwarranted work. He opened Phillips Automotive and Performance, with the promise to always stay honest to his customers and maintain a family owned, mom-and-pop-style business yet continue to provide quality work that is above and beyond the industry standard.

Since then, Mike has expanded the shop with two more ASE-certified technicians. Altogether, the technicians at Phillips Automotive and Performance, have a combined 73+ years of experience in the automotive industry. In their 4,000-square-foot building, they service all manufacturers’ vehicles, from cars, trucks (light, medium, and heavy duty), motorcycles, and trailers.

Their slogan is “We Do It All.” Not only are they a 100% full-service auto-repair shop, they are also a full fabrication, welding, and performance shop. Their performance shop, which builds custom hot rods and racecars and performs full fabrication of all types, from aluminum-body rods to tube-chassis racecars, is also located at their Downingtown location. 

Four years ago when they opened Mike was not sure exactly who to go with to process credit cards. TSYS Merchant Solutions reached out to Mike and pitched him a good pitch that sounded good at the time so he signed up. Little did he know that he was going to pay over 3% every month to processing fees. Also the credit card terminal they leased them for $52 a month was a Nurit 8400 which retails for only $120.00. This means they paid $2,496 for a $120 terminal. 

Last year we began talking to Mike about our program. And when their contract was up with TSYS Mike contacted Dependable Solutions to come in and see what we could do for them. 

In return we found that we could save them $200.00 a month in processing fees totaling up to $2,400 a year and eliminating their lease payment by selling them a brand new Verifone VX 520 for only $479.00. This terminal is EMV ready and fully compatible to take their business to the next level. 

If you find yourself in a similar situation and your looking for help. Contact us today & start saving money!

Office - 717-806-5429

Email - info@dependablesolutions.org

Manheim Business Saves $1,500 a year leaving Sage Payment Solutions


We want to welcome Badorf Shoe Company in Manheim Pa to the Dependable Solutions family today.  

Badorf Shoe Company has been producing and distributing the finest children’s footwear brands since 1928. Yes, I said 1928! Badorf Shoe Company was started in Lititz, PA, by brothers Norman and Paul Badorf. The company was owned and operated by the Badorf family for nearly 40 years until its purchase by Ura Gingerich in 1967. Forty six years later, the family tradition has continued and the company is now operated by Ura’s son Duane Gingerich and grandsons, Justin and Brandon Gingerich.

Justin Gingerich came in contact with Dependable Solutions through a business relationship he had. He was open to have Dependable Solutions to evaluate his Merchant Services statement to see if any savings could be had.

For years they worked with Sage Payment Solutions because that is who they used for their office online platform software. However when they opened their retail location and a e-comerce site, they were looking for a one stop shop platform to take their company to the next level.

Not only did Dependable Solutions save them over $1,500 a year in processing fees, they were able to provide a one stop shop for all aspects of their business. Dependable Solutions was able to reprogram their current terminal in their retail shop as well as handle their office sales and e-commerce sales all on one portal. This made the switch not only make sense financially but also in the sense of maintaining their office sales while building their presence online.

 If you own a business that has multiple avenues of Merchant Services and you're looking for a one stop shop. Contact Dependable Solutions today!

Office - 717-806-5429

Email - info@dependablesolutions.org