Simple. Transparent.

Built for Your Business.

Keep more of what you earn with a payment processor that’s honest, low-cost, and built around you.

No contracts. No hidden fees. Just straightforward savings.

⬇️ TAKE A QUICK SURVEY TO GET YOUR FREE QUOTE ⬇️

Does your business currently accept card payments?

Who is your current provider?

How much does your business process per month via credit/debit cards?

Do you consider your industry high risk?

What types of payments do you currently accept?

Do you require a cash register/terminal?

What is the name of your company?

What industry are you in?

Which best describes your business?

Which best describes your company?

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About LCCS

At Local Credit Card Services (LCCS), we believe payment processing shouldn’t be complicated—or costly.

We’re a transparent, no-nonsense processor helping small and mid-sized businesses accept payments effortlessly.

Our mission is simple: help you save more, earn faster, and grow without the fine print.

With LCCS, you’ll never sign a long-term contract, pay a monthly fee, or get surprised by hidden charges.

What You Get with LCCS

No Contracts. No Monthly Fees. No Hidden Charges.

Transparent Interchange-Plus Pricing — wholesale rates + a simple, fixed markup.

Up to 25% Savings compared to traditional processors.

Seamless Switching Support — statement comparisons, buyout assistance & setup help.

Fast, Reliable Funding — daily deposits with no setup or PCI fees.

Rates & Fees (At-a-Glance)

Simple, straightforward rates with no hidden fees

In-Person Transactions
Interchange + 0.50% + $0.10 Under $50k monthly
Online / Keyed Transactions
Interchange + 0.80% + $0.20
ACH / Bank Payments
0.50% + $0.25 (under $25k) / +0.05% for higher amounts
Chargeback Fee
$15 (waived if you win the dispute)
Deposit Timing
Cards: 1-2 business days | ACH: 3–4 business days
Hardware
Purchase outright — no leases, no terms
Refunds
No refund fee; transaction fee non-refundable
Other Fees
No setup, monthly, or PCI compliance fees
All rates are competitive and transparent. No surprises, no hidden costs.

Free Tools & Included Services

POS App &

Software

POS App & Software

Full-featured, low-monthly-cost point-of-sale system.

Virtual

Terminal

Virtual Terminal

Accept payments anywhere, anytime.

Invoicing &

Recurring Billing

Invoicing & Recurring Billing

Automate payments & subscriptions.

Hosted Payment

Pages & Checkout

Hosted Payment Pages & Checkout

Secure, customizable checkout for your website.

Credit Card Vault & Tokenization

Safely store customer info.

API & Developer Integrations

Works with Xero, QuickBooks & more.

Fraud

Defender

Fraud Defender

Detect & prevent fraudulent transactions.

Fee Saver Tool

Legally pass fees to customers and eliminate your cost of acceptance.

Interchange Optimization (Level 2 & 3): Automatically qualify for the lowest rates.

Why Businesses Choose LCCS

Fee Saver Program

Eliminate your processing costs entirely by legally passing fees to customers.

Volume-Based Discounts

The more you process, the lower your rates—simple and fair.

Chargeback Reimbursement

Win a dispute? We’ll refund your chargeback fee.

Fast, Free Daily Deposits

Get paid quickly with no additional cost.

Own Your Equipment

No leases or commitments—purchase your terminals outright.

Our Commitment

We’re redefining what it means to work with a payment processor.

At LCCS, transparency isn’t a buzzword—it’s how we do business.

From interchange-plus pricing and no hidden fees to real human support, we empower small and mid-size businesses to take control of their payment processing with clarity and confidence.

All statements regarding potential savings, revenue, or residual earnings are based on historical averages and independent case studies. Results may vary depending on processing history, business type, and underwriting approval. Qualification and participation in specific pricing or incentive programs are subject to processor and network rules.

All Rights Reserved || Local Credit Card Services

Copyright (C) 2026