MCPS Credit Cards, LLC.

MCPS Credit Cards, LLC. We provide credit/debit card processing for merchants. We have an A+ Rating with the Better Business Call us today at (570)884-8338!

We have been saving merchants a lot of money on their credit card processing for over 25 years by offering as low as $0 Processing Fees and a $5 Service Fee. We are members of the Greater Susquehanna Valley Chamber of Commerce. We are dedicated to top-notch customer service and go out of our way to ensure the needs of our merchants are met in a professional and timely manner.

⚠️ Cash discount and surcharge are NOT the same thing — and confusing them can get your merchant account terminated.A ca...
09/02/2026

⚠️ Cash discount and surcharge are NOT the same thing — and confusing them can get your merchant account terminated.

A cash discount program discounts customers who pay cash from a posted card price. A surcharge adds a fee to credit card transactions on top of a base price. They have different rules, different disclosure requirements, and different legal landscapes by state.

Know the difference before you implement either.

📲 DM "DIFFER" and we'll walk you through which program fits your business.

📋 Running a cash discount program? Proper disclosure is essential.Your point of sale must clearly display: "All items ha...
09/01/2026

📋 Running a cash discount program? Proper disclosure is essential.

Your point of sale must clearly display: "All items have two prices — a cash price and a card price." This transparency keeps your program compliant with card network rules and protects your business.

Skipping proper disclosure isn't just a compliance risk — it damages customer trust.

✅ We set up every cash discount client with compliant signage and full guidance.
📲 DM "COMPLIANT" to learn more.

💰 What if accepting cards cost your business nothing?A cash discount program displays two prices at the point of sale — ...
08/31/2026

💰 What if accepting cards cost your business nothing?

A cash discount program displays two prices at the point of sale — a cash price and a card price. Customers paying by card pay a slightly higher amount that offsets your processing costs. Customers paying cash receive a discount from the card price.

When structured and disclosed properly, cash discount programs can significantly reduce your monthly processing expense. Results and eligibility may vary.

📲 DM "CASH" to find out if a cash discount program is right for your business.

❓ Do you know your effective processing rate right now?Most business owners don't. The effective rate is your total proc...
08/30/2026

❓ Do you know your effective processing rate right now?

Most business owners don't. The effective rate is your total processing fees divided by your total card volume — and it tells you the true cost of accepting cards. Industry average is around 2.5%, but many businesses pay 3%+ without knowing it.

Take 5 minutes to calculate yours. Then call us.

📊 Total fees ÷ Total card volume = Your effective rate.
DM "RATE" and we'll calculate it together.

💸 Your processor's markup on interchange is where most of the hidden cost lives.Interchange rates (set by Visa/Mastercar...
08/29/2026

💸 Your processor's markup on interchange is where most of the hidden cost lives.

Interchange rates (set by Visa/Mastercard) are essentially fixed. But your processor adds their markup on top — and that markup can vary wildly between providers. With tiered pricing, that markup is intentionally opaque. With interchange-plus, it's crystal clear.

Transparency in processing costs starts with knowing exactly what your processor is keeping.

📲 DM "MARKUP" and we'll show you exactly what you're paying — and what's fair.

🧾 Check your merchant statement for these common junk fees — they add up fast.Statement fee. Regulatory fee. Network acc...
08/28/2026

🧾 Check your merchant statement for these common junk fees — they add up fast.

Statement fee. Regulatory fee. Network access fee. IRS reporting fee. Minimum processing fee. Club membership fee. These aren't interchange — they're pure margin for your processor, and you may be paying them every month without realizing it.

Total them up over 12 months. You might be surprised.

📊 DM "AUDIT" for a free statement review — we'll find what you're paying and why.

🚧 Locked in a processor contract? You're not alone — but you may have options.Early termination fees (ETFs) can run $200...
08/27/2026

🚧 Locked in a processor contract? You're not alone — but you may have options.

Early termination fees (ETFs) can run $200–$500+ and feel like a wall between you and a better deal. But depending on your contract language, rate increases, or service failures, you may have grounds to exit without penalty. It's worth reviewing.

📋 DM "EXIT" and we'll help you understand your options — free, no pressure.

📈 Your rate was 2.3% when you signed. Now it's 2.9%. Sound familiar?Rate creep is real. Many processors quietly increase...
08/26/2026

📈 Your rate was 2.3% when you signed. Now it's 2.9%. Sound familiar?

Rate creep is real. Many processors quietly increase rates after 90 days, post major card network changes, or simply whenever they think you won't notice. Most business owners never catch it because they're too busy running their business.

Regular statement audits are your protection.

📊 DM "AUDIT" and we'll review your last 3 months of statements for free.

🔐 PCI non-compliance fees are one of the most common ways processors silently drain your account.If you haven't complete...
08/25/2026

🔐 PCI non-compliance fees are one of the most common ways processors silently drain your account.

If you haven't completed your annual PCI self-assessment questionnaire, most processors charge $20–$45/month in non-compliance fees — often indefinitely. The frustrating part? Many processors charge this fee without ever helping you become compliant.

We walk every client through PCI compliance — included in your service.

📲 DM "PCI" and we'll check your status today.

🖥️ If you're leasing your payment terminal, you may be paying thousands for something worth hundreds.Terminal lease agre...
08/24/2026

🖥️ If you're leasing your payment terminal, you may be paying thousands for something worth hundreds.

Terminal lease agreements often cost $30–$80/month for 3–4 years — totaling $1,440–$3,840 for equipment that retails for $200–$500. Worse, many leases are non-cancellable. You could pay off the lease, still not own the terminal, and be stuck paying forever.

Always purchase your equipment outright when possible.

💡 We provide modern terminals to qualified merchants. DM "EQUIPMENT" to learn more.

Address

333 S. Market Street , Suite B
Selinsgrove, PA
17870

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm

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