Who They Are
Elite Card Processing is a 100% US-based merchant services provider headquartered in Hagerstown, Maryland, serving businesses nationwide across retail, e-commerce, B2B, and the 2A/firearms space. They run on the #1-ranked network by Mastercard, with sales, underwriting, risk, and support all staffed in-house — every merchant gets a dedicated sales rep and a dedicated support specialist they can reach by name, not a 1-800 queue.
They don't lock merchants into contracts and they guarantee the lowest pricing in the industry. The model is simple: they win when you stay, so they price and service every account that way from day one.
What They Offer
- Credit Card ProcessingCard-present (POS / terminal), card-not-present (e-commerce, virtual terminal, keyed), and mobile — fully integrated with the Valor terminal line through Monarch Wave.
- Gateways & Virtual TerminalsAuthorized reseller for Authorize.Net, Valor, Paytech, USAePay, NMI, and Accept Blue — keyed transactions, hosted payment pages, recurring billing, tokenization, and saved-card functionality across all of them.
- ACH ProcessingBank-to-bank rails for recurring billing, B2B invoicing, and high-ticket transactions — a lower-cost alternative to card.
- Firearms / 2A ProcessingFull-service merchant accounts for FFLs, ranges, gunsmiths, ammo retailers, and accessory sellers. US-underwritten and 2A friendly.
- E-CommerceHosted checkout, integrated gateways, tokenization, recurring billing, and saved-card functionality.
- Face-To-Face / RetailValor countertop, wireless, and mobile terminals deployed by your dedicated rep.
How It Connects To MFS Exchange
We wired Elite Card Processing into MFS Exchange through the Valor terminal line, so card transactions across every channel settle through one merchant account:
- Card-present payments at the counter on Valor countertop, wireless, and mobile terminals — chip, swipe, and tap
- Online checkout for the WooCommerce storefront through an integrated gateway (Authorize.Net, NMI, USAePay, Accept Blue, Paytech, or Valor)
- Keyed and virtual-terminal transactions for phone orders and special situations
- Tokenized saved-card and recurring billing for layaway schedules and customer-on-file orders
What Sets Elite Card Processing Apart
- 100% US-based. Sales, underwriting, risk, and support are all stateside — no offshore handoffs.
- #1-ranked Mastercard network. Processing runs on tier-one rails.
- 2A friendly by design. Firearms is a supported vertical, not one they merely tolerate — underwriting knows the industry, and accounts don't get dropped when the political wind shifts.
- Dedicated humans. Every merchant gets a named sales rep and a named support specialist with direct lines — no call-center roulette.
- Lowest prices guaranteed, no contracts. Month-to-month with no cancellation fees or liquidated damages — bring a legitimate competing statement and they'll beat it.
- Full-channel under one MID. Card-present, e-commerce, ACH, mobile, and recurring all run through a single merchant account.
How To Engage
When you're onboarded to MFS Exchange, we introduce you to your dedicated rep at Elite Card Processing, and they handle the merchant-account underwriting in parallel with your build. By the time your storefront and POS go live, processing is wired up through the Valor integration and ready to take its first transaction. If you'd like to talk to them before signing on with MFS, we're happy to make the introduction earlier — just reach out.