Does Elite Card Processing Take High Risk Merchant Accounts?
How To Cancel Your Merchant Account with Elite Card Processing
Elite Card Processing Rates and Fees Too High? Is Elite Card Processing a Ripoff or Scam?
What Elite Card Processing Offers
Elite Card Processing provides a wide spectrum of merchant services and payment solutions designed to accommodate businesses of all types and sizes. Their offerings include merchant accounts, credit and debit card processing, robust POS systems (such as Clover, NCR, Diner Daddy, and EMV terminals), e-commerce and mobile payment solutions, dual pricing and compliant cash discount programs, Level III B2B/government processing, ATM placement and processing, inventory management tools, and merchant cash advances. The company also delivers dedicated solutions for high-risk categories, notably firearms dealers, ensuring secure and compliant transactions for regulated industries.
Who They Serve / Typical Merchant Types
Elite Card Processing serves a diverse client base nationwide, spanning restaurants, retail (including e-commerce), service-oriented businesses, government agencies, utilities, political campaign accounts, and high-risk sectors like firearms dealerships. Their platform is designed to be flexible, welcoming businesses that may face challenges with conventional processors, including FFL merchants and political organizations.
Where They Are Based
Elite Card Processing is headquartered at 13701 Maugansville Road, Suite 5, Hagerstown, MD 21740.
Phone Number
(240) 329-9424
How Long in Business
The company was founded in 2016, giving them close to 10 years of operational experience in the merchant services industry.
What Merchants Should Verify
All pricing, discount rates, and potential monthly or incidental fees
Contract length and early termination/cancellation penalties
Terms and costs of any equipment or POS leases
PCI compliance fees, batch and gateway processing charges
Speed and policies for funding/settlement and any reserve/hold practices
Dispute and chargeback support processes
How to Evaluate Elite Card Processing
Ask for an itemized fee breakdown and confirmation on whether rates are fixed or variable
Clarify contract and lease terms-including renewal, cancellation, and total costs
Request transparency on all fees (no "hidden" charges or unexpected assessments)
Discuss customer support hours, escalation policies, and average response/resolution times
Inquire about the process and track record for managing chargebacks and disputes
Verify specialized experience for your industry (especially for high-risk businesses)
Be alert for red flags, including vague pricing, unclear contract terms, aggressive sales tactics, or limited support.
Share Your Experience
If you are a current or former merchant with Elite Card Processing, please consider posting an honest review describing your experience. Include specific details about fee/rate transparency, customer service quality, contract or lease clarity, responsiveness to support issues, the experience of fund holds or chargebacks, and the cancellation process. Please do not share sensitive information (like full card numbers or Social Security Numbers). Your feedback helps fellow merchants make better-informed decisions about processing partners!
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