Question 1

What is The Credit Card Guy?

Accepted Answer

The Credit Card Guy is a merchant services company helping restaurants, food trucks, bars, and small businesses switch to true wholesale credit card processing rates. We offer POS systems, business funding, and free rate comparisons — no long-term contracts, no auto-renewals.

Question 2

How much could I save by switching?

Accepted Answer

Most clients save 20–90% compared to their current processor. Every processing bill has two layers: the wholesale cost of processing, and whatever markup your provider quietly stacks on top. We charge true wholesale interchange-plus rates, so you see the actual cost and exactly what we make — nothing buried. Send us your current statement and we'll show you your number, line by line, free.

Question 3

How does the free statement comparison work?

Accepted Answer

Send your details through the quote form below and we'll audit your current processing statement line by line: what you're paying now, what you'd pay at wholesale, and the difference. It takes about 10 minutes, it's completely free, and there's no obligation and no contract to sign.

Question 4

Do I have to sign a long-term contract?

Accepted Answer

No. There are no long-term contracts, no auto-renewals, and no fine-print traps. Service is month to month and you can walk away anytime — we keep your business by earning it, every month.

Question 5

Is the smart terminal really free?

Accepted Answer

Yes. A modern smart terminal is included free with service — no lease, no rental fee, no equipment trap. It accepts chip, tap, swipe, and mobile wallets, and we set it up with you.

Question 6

How fast do I get my money?

Accepted Answer

With next-day funding, yesterday's card sales land in your bank account the next business day — no more waiting 2–3 days for your own money.

Question 7

What kinds of businesses do you work with?

Accepted Answer

Restaurants, food trucks, bars, cafés, retail stores, salons and spas, professional services, healthcare practices, automotive shops, field service companies, nonprofits, and online sellers. We're based in El Segundo and serve the South Bay and Orange County in person, and we process for merchants in all 50 states.

Question 8

What is interchange-plus pricing?

Accepted Answer

It's the honest way to price processing. Every card transaction has a wholesale cost — interchange, set by the card brands, plus the card networks' own fees. That cost is the same for every processor on earth. With interchange-plus, you pay that exact wholesale cost plus one small markup — our margin, stated up front and in writing. No tiered pricing games, no 'qualified' and 'non-qualified' games, no rates that quietly creep up every quarter. You see what the cards cost, and you see exactly what we make. That's the whole model.

Question 9

How does dual pricing / cash discount work?

Accepted Answer

Simple: your prices show two numbers — a lower cash price and a card price that includes the cost of accepting cards. Customers who pay cash save; customers who pay by card cover the processing cost instead of you eating it. It's fully compliant when it's set up right — signage, receipts, the works — and we handle that setup for you. Done correctly, many of our merchants bring their processing bill close to zero. It's not a surcharge and it's not a trick. It's just both prices, shown honestly.

Question 10

How long does it take to switch processors?

Accepted Answer

For most businesses, a few business days — not weeks. We handle the paperwork, get your account approved, and ship your free terminal already programmed. Most owners just unplug the old box, plug in ours, run one test transaction, and they're done. If you run a POS system or online checkout, we coordinate the changeover so you don't lose a sale or a day of funding. No downtime games, no drawn-out 'conversion process.'

Question 11

Do you work with businesses outside California?

Accepted Answer

Yes — all 50 states. We're based in El Segundo and serve the South Bay and Orange County in person, but plenty of our merchants are nowhere near California. The free statement comparison, the wholesale pricing, the free terminal — all of it works exactly the same wherever you are. And you still get a real person who answers the phone. They just might not be able to drive over.