No agency, no retainer, no calls. Send specs, get a quote, see it shipped — usually same day. PJ is local in Encinitas, North County San Diego.
Stripe, Square, Helcim, ACH, surcharging — every option has tradeoffs and most people pick wrong because no one breaks it down honestly.
I'll look at your processor, your volume, and your margins. If you can save real money, I'll show you how. If you can't, I'll tell you straight.