What is Payment Processing?

What is Payment Processing?

Every time a customer swipes, taps, or inserts their credit or debit card, there’s a lot happening behind the scenes to move that money from their bank account into your business account. That’s where payment processing comes in.

In simple terms, payment processing is the system that:

Authorizes the payment: It checks with the customer’s bank to make sure the funds are available and that the transaction is approved.

Transfers the funds: Once approved, it moves the money securely from the customer’s bank account to your business’s account.

Keeps it secure: The entire process is encrypted to protect your customers’ information and your business.

This all happens in seconds, but choosing the right payment processor makes a huge difference in:

  • How much you pay in fees
  • How fast you get your money
  • How easy it is to accept payments

At American Card Payments, we help business owners like you process payments smoothly, securely, and at lower costs, so you can focus on running your business, not worrying about transaction fees or slow deposits.

Why Choose American Card Payments?

Not all payment processors are created equal. At ACP, we’re focused on helping business owners keep more of what they earn while enjoying seamless, stress-free payment solutions.

Here’s what sets us apart:

Lower Fees, More Savings

Many processors tack on hidden charges and inflated rates that quietly eat into your profits. At ACP, we believe in fair and honest pricing with no hidden fees ever.

Transparency & Integrity

We’re built on trust. From your first conversation with us, you’ll get clear, upfront information about rates, fees, and services, no surprises down the line. Our goal is to build long-term relationships, not quick transactions.

Modern Payment Solutions

Our state-of-the-art terminals accept all major cards and payment types, including contactless, Apple Pay, and Google Pay, so your customers can pay however they choose.

Fast Deposits

Get your funds faster with ACP. No more waiting days to access your hard earned money.

Dedicated Support

You’ll never be stuck on hold with a call center overseas. Our support team is responsive, reliable, and ready to help whenever you need us.

Tailored for Your Business

From retail shops to restaurants and online stores, we customize our solutions to fit your needs and scale as you grow.

Get started today, submit your application and see how we can help you thrive!