AND processing is dedicated to helping small businesses reduce their credit card and payment processing costs while providing world-class service. We offer the lowest posted interchange-plus rates on the market, along with true zero-cost processing services to reduce merchant's overall processing fees by 95% or more. The average business saves almost $10,000 per year in credit card costs!As Co-Founder and COO, I am so proud to stand behind AND processing and our commitment to customer service. We have built this firm with the intention of supporting our merchants in every way we can. By offering cutting-edge zero-cost programs, advanced level 2/3 rate reductions, and exemplary customer support, we're confident that merchants will be clients for life. The name "AND" is an acronym for our three founders' names, and reflects our dedication to the personal service that our merchants can expect when working with us.