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2C Processor USA, LLC iPhone, iPad, iPod Credit Card Processing

One FREE swiper for your device, and FREE download from the Apple App store!
8 Comparison Facts You Need To Know About "The Competitor" – Is It A Good Deal?
  1. 2CP USA uses an ENCRYPTED swipe device. The competitor uses an UNENCRYPTED device. Unencrypted transactions are not secure by Payment Card Industry (PCI) standards, and card information is transmitted as an audio file which could be captured & hacked in transit. The competitor's device sometimes fails. If swipe fails, keyed sales are processed at a higher fee.
  2. With the competitor's device, keyed transactions are 3.5% + 15¢. 2CP USA rates are NEVER this high, even for keyed transactions.
  3. 2CP USA has rates as low as .89% for debit and 1.75% for credit. The competitor charges a flat 2.75% for everything. 2CP USA is lower at 2.65% for Business & Frequent Flyer cards. With 2CP USA, Corporate Purchasing cards are slightly higher at 3%, due to higher Interchange rates (these are typically only 10% to 20% of total credit card sales.)
  4. For keyed sales, the competitor places funds on hold 30 days or longer if more than $2,002 is charged within any rolling seven day period. Example - If you keyed in $2,100 in a seven day period, the competitor holds $98 for 30 days.
  5. It has been reported that the competitor has randomly and without explanation, or notification, placed lengthy holds (exceeding 30 days) on the merchant’s funds, even for swiped transactions. The competitor actually recommends that you refund those sales and contact the cardholder for another form of payment.
  6. The competitor users report that customer service is available through email, a Twitter support page, or a support blog. There is no live representative who answers calls when you need help now. The competitor's support number appears to go to a voicemail system for most callers, and some have experienced hang-ups when leaving a message.
  7. The competitor accepts any and all merchants – even high risk businesses. The competitor may close your merchant account for undisclosed reasons, if they decide your business has become too high of a risk. They have been known to hold funds for 6 to 9 months.
  8. The competitor’s small business pricing of a flat $275 per month only applies to merchants who process up to $250,000 per year, and for transactions up to $400. Exceeding these values, and rates go up to 2.75%. Keyed transactions are still 3.5% + 15¢.

Comparison Chart of Fees, Assuming a Typical $200 Sale
The Competitor 2CP USA (includes 16¢ transaction fee)
Regulated Debit 2.75% $5.50 Regulated Debit 0.89% + 10¢ $2.04
Un-Regulated Debit 2.75% $5.50 Un-Regulated Debit 1.29% + 10¢ $2.84
Qualified Regular Card 2.75% $5.50 Qualified Regular Card 1.75% $3.66
Rewards 2.75% $5.50 Rewards 1.99% $4.14
Business Sponsored 2.75% $5.50 Business Sponsored 2.65% $5.46
Mid-Qualified Frequent Flyer 2.75% $5.50 Mid-Qualified Frequent Flyer 2.65% $5.46
Non-Qualified Corp. Purchasing 2.75% $5.50 Non-Qualified Corp. Purchasing 3.00% $6.16

Summary: The competitor overcharges on most every category, subsidizing transaction fees and brand-usage fees owed to the Visa, Master Card, & Discover Card Associations and the issuing banks. At a conservative 20 sales per month totaling $4,000, your fee with the competitor is $110. With 2CP USA, (including transaction fees, brand fees, and normal monthly fees), your estimated cost is $83.02, subject to typical card types presented.

2CP USA Calculations:

20 sales per month at $200 each = $4,000

60% of sales are Debit, which = 12 sales

6 sales @ $200 each = $1,200. Regulated Debit at .89% + 26˘ per swipe (16˘ trans + 10˘ debit) = $12.24
6 sales @ $200 each = $1,200. Un-Regulated Debit at .89% + 26˘ per swipe (16˘ trans + 10˘ debit) = $17.04
2 sales @ $200 each = $400. Qualified Regular Card at 1.75% + 32˘ (2 x 16˘) = $7.32
2 sales @ $200 each = $400. Rewards at 1.99% + 32˘ (2 x 16˘) = $8.28
1 sale @ $200. Business Sponsored at 2.65% + 16˘ = $5.46
1 sale @ $200. Mid-Qualified Frequent Flyer at 2.65% + 16˘ = $5.46
2 sales @ $200 each = $400. Non-Qualified Corp. Purchasing Card at 3.00% + 32˘ (2 x 16˘) = $12.32
Normal Monthly Fees ($7.95 statement, $4.95 IRS Reporting Fee, VISA Fixed Acquirer Network Fee $2) = $14.90
TOTAL $83.02

One FREE swiper for your device, and FREE download from the Apple App store!

On-The-Go Credit Card Processing

VeriFone’s VX 680 is a full-function, portable, handheld payment device packed with performance, including NFC and a large, colour touch screen. And all on the proven VX platform – making it the perfect choice for businesses on the go.

The Total Wireless Payment Solution for Credit Cards

Small In Size, Big On Attention

  • A large, sharp, 3.5”, colour display fits into the smallest fullfunction, portable handheld device
  • An illuminating, blue-backlit keypad with built-in spill resistance, ideal for low-lighting situations and the most demanding environments
  • VX platform with the Verix operating system – more than 11 million devices sold, for the world’s best-selling payment devices
  • Backward compatibility with existing applications and accessories for VX 670 helps protect your investment

More Features, New Opportunities

  • Full flexibility to manage multiple NFC mobile wallets, apps and programs. Apps are fully insulated and firewalled from each other and existing payment apps, ensure complete security on payment transactions
  • Tailored specifically to the needs of merchants on the move – from delivery services and stadium vendors to restaurant pay-at-the-table applications
  • Landed smart card reader delivers incredible readability for hundreds of thousands of insertions, and keypad withstands more than one million key presses
  • 400 MHz ARM11 processor provides 3x faster processing to keep merchants’ lines moving and provides quick, trouble-free downloads
  • Exponential increase in memory to 192 MB standard – exceeding 500 MB with optional Micro SD memory storage
Download and save a PDF Brochure with product specs.

Nurit 8020 Wireless Credit Card Terminal

Nurit 8000 Wireless Credit Card Terminal image_1   Nurit 8000 Wireless Credit Card Terminal image_2

The NURIT 8020 is a flexible, lightweight, handheld terminal that enables fast, secure, error-free transactions for on-the-go merchants. The sophisticated multi-application platform supports a range of payment & value-added services - including credit, debit, T&E, EBT, smart cards, prepaid, loyalty, gift & proprietary cards - as well as business management solutions such as inventory control, dispatch, delivery, etc.

The unit supports a variety of cellular networks, including GSM/GPRS, Mobitex, CDPD, DataTac, and CDMA. The terminal includes an easy-to-load thermal printer, a touch screen, built-in PIN Pad, and EMV smart card reader.


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  • Mobile Vendors
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  • Traveling Sales People
  • Conventions / Exhibitions
  • Golf and Tennis Venues
  • Outdoor Entertainment


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2C Processor USA, LLC is a registered ISO/MSP of First National Bank of Omaha,
and Wells Fargo Bank, N.A., Walnut Creek, CA

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