Every merchant asks:"What's your rate?"
There isn't just one rate.
Visa and Mastercard transactions can qualify at dozens of different interchange costs — determined by card type, transaction method, business category, transaction data, and how your merchant account is configured. A single "rate" doesn't tell you whether you're set up correctly.
The question that actually matters:
"Am I paying what I should be paying?"
How Processing Costs Actually Work
Your Processor Can't Control Interchange.
But How Your Account Is Set Up Can Affect What You Pay.
Interchange — the base cost set by Visa and Mastercard — is non-negotiable. But the rate your transactions actually qualify at depends on factors your processor and your account configuration directly influence.
That's why shopping for one advertised “rate” doesn't tell you what your business will actually pay.
The only way to know what you should be paying is to analyze your actual statement — card mix, transaction types, fees, and account configuration included.
Free · Confidential · No Obligation
Local Service. Nationwide Solutions.
Accurate Payment Systems is proudly based in Oklahoma while serving businesses throughout the United States.
Whether you're a local retailer, a restaurant, an online business, a healthcare provider, or a growing multi-location company, we provide transparent payment solutions backed by more than 20 years of industry experience.
"Representing You, Not a Company."
Meet David Hopwood
For more than 20 years, I've helped business owners lower payment processing costs, improve cash flow, and better understand the fees they pay every month.
As a U.S. Army Veteran and independent payments consultant, I believe business owners deserve honest advice — not sales pressure.
That's why I built Accurate Payment Systems around one simple philosophy:
Representing You, Not a Company.
When you work with me, you work directly with me — not a call center.
Representing You, Not a Company.
Most merchant services reps are trying to sell you their processor's program. I work differently — as an independent consultant whose job is to understand your business first, then find the right solution.
How I work with your business
Before recommending anything, I analyze what you already have.
Review your existing statement to understand what you are actually paying — rates, fees, and recurring charges.
Identify how your account is set up, whether transactions are qualifying correctly, and where configuration may be costing you.
Pinpoint unnecessary fees, potential downgrades, pricing-structure mismatches, and Level II/III opportunities where applicable.
Compare solutions across multiple processors and recommend only what makes financial sense for your specific business.
I don't start by showing you a rate sheet. I start by looking at what you're already paying and figuring out whether it makes sense for your business.
My goal is to become your long-term payments advisor — not to make a sale.
Real Businesses. Real Numbers.
These are actual results from businesses David has worked with — verified savings based on their real processing statements.
“I highly recommend David Hopwood to manage your credit card services! We have used him for over 13 years and he has been amazing!! He has helped us in trouble shooting and he has been so quick to call back. His pricing is so good too!! He gets a 10 star from us!!”
“David has been my trusted payment solutions consultant across multiple companies, including my current role as CEO. His expertise, responsiveness, and commitment to our best interests set him apart. I confidently recommend him to organizations of any size.”
“David delivered transparent pricing, real savings, and hands-on support. Payment processing is smoother, faster, and more reliable than ever. I recommend him without hesitation.”
Free · Confidential · No Obligation
Why Most Businesses Overpay for Credit Card Processing
Many business owners never realize they're paying unnecessary fees because merchant statements are difficult to understand.
In many cases, we uncover savings without requiring you to change how you accept payments.
Start My ReviewOur free statement review identifies:
Charges buried in your statement that most owners never notice
Cards processed at higher rates than necessary
Compliance fees that are often inflated or duplicated
Recurring charges that add up with no clear benefit
Leases or rentals priced far above market value
Rates set when your volume was lower or your business was different
How Much Money Are You Losing Every Month?
Every swipe, dip, tap, and online payment costs money.
The question isn't whether you're paying processing fees.
It's whether you're paying more than you should.
Most business owners never compare pricing because they're too busy running their business.
That's where we help.
No obligation · No pressure · Results in 1 business day
Why Businesses Choose Accurate Payment Systems
Transparent Pricing
You see every rate and fee before you sign. No surprises on your statement — ever.
Cost-Plus Options
Pay only interchange plus a small fixed margin. The fairest pricing model in the industry.
Next-Day Funding
Sales from today hit your account tomorrow. Better cash flow, less waiting.
Local Oklahoma Support
Call David directly. No call centers, no hold music — just a real person who knows your account.
PCI Guidance Included
We walk you through compliance step by step so you avoid costly non-compliance fees.
No Hidden Fees
No statement fees, no batch fees, no annual fees buried in the fine print.
Free analysis. No obligation. Serving OKC, Edmond, Norman, Tulsa, Yukon, Mustang, Moore, Midwest City, and all of Oklahoma.
What We Do For You
Oklahoma Merchant Services Built Around Your Business
Accurate Payment Systems provides independent payment-processing guidance, POS systems, merchant accounts and free statement reviews for Oklahoma businesses — with transparent interchange-plus pricing and direct local support.
One advisor. Every payment need covered.
Credit Card Processing
Interchange-plus pricing with full transparency. No hidden markups, no surprises on your statement.
Learn morePOS Systems
Modern cloud-based point-of-sale systems for retail, restaurant, and service businesses.
Learn morePayment Gateways
Secure online payment processing with API integrations and recurring billing support.
Learn moreCash Discount Program
Offset processing costs by offering a discount to cash-paying customers — a compliant program with proper disclosure at point of sale.
Learn moreHigh-Risk Processing
Reliable processing solutions for CBD, nutraceuticals, travel, and other high-risk industries.
Learn moreE-Commerce Payments
Seamless integrations with WooCommerce, Shopify, Magento, and custom platforms.
Learn moreDispensary Payments
Compliant payment solutions for cannabis dispensaries, including cashless ATM and debit processing.
Learn morePayment Processing
End-to-end payment processing for businesses of all sizes — fast, secure, and built around your needs.
Learn moreDon't Guess. Let's Look at the Numbers.
Upload a recent merchant processing statement and we'll analyze what you're actually paying.
A statement review can identify:
Upload Your Statement
Any processor. Any format. Takes less than two minutes to submit — we handle the analysis and respond within one business day.
Analyze My StatementFree · Confidential · No Obligation
We do not sell your information. Used only to provide your review and as described in our Privacy Policy.
How It Works
Three Steps. No Obligation.
Less than 5 minutes on your end. We do the analysis — you make the call.
Upload Your Statement
Upload or send your current merchant statement. Any processor, any format — takes less than 2 minutes.
Receive a Fee Analysis
We break down every rate, markup, and recurring fee line by line so you have a clear picture of your total processing cost.
Decide With No Obligation
Review the numbers and decide if switching makes financial sense. Zero pressure, zero commitment.
"We walk through every line of your statement together."
— David Hopwood, Accurate Payment Systems
Industry Solutions
Processing Built for Your Industry
Why It Matters
Are You Paying More Than You Should?
Processing statements can contain multiple pricing components and recurring fees that are difficult to evaluate without a detailed review.
The Alternative
Typical Merchant Processor
Your Advantage
Accurate Payment Systems
Merchant Education
Understand Your Statement.
Free guides to help you understand your statement and evaluate your processing costs.
Understanding Interchange Fees
Interchange fees are a component of every card transaction. Learn what they are, how they are set, and how they affect your total processing cost.
Read moreTiered vs. Interchange-Plus Pricing
Your pricing model determines how much you pay. We break down the two most common structures and which one is better for your business.
Read more5 Hidden Fees on Your Statement
From PCI non-compliance fees to batch fees and statement fees — here is what each one is and how to evaluate it on your own statement.
Read moreKnowledge is step one. Action is step two.
Now that you know what to look for, let us find it on your statement — for free.
Request My Free AnalysisReady to Find Out if You're Paying Too Much?
Your savings analysis is completely free.
Simply upload your merchant statement or call me directly, and I'll personally review your account to identify opportunities to reduce your payment processing costs.