AND was built with a simple motto in mind - get our clients' payment processing costs as close to zero as possible. We believe that businesses should utilize every tool at their disposal to get their credit card processing fees as low as possible, to keep more money in their pockets. That's why we offer numerous zero-cost solutions that help merchants reduce processing fees - such as cash discounting, surcharging, ACH processing, automatic level 2/3 rate adjustments, and equipment financing options. We specialize in customizing a solution for each client, so that our merchants have the hardware, training, and customer support they need when implementing a zero-cost solution. AND understands how important a merchant service provider is for small and mid-sized businesses. As your provider, we are responsible for the life-blood of your firm: ensuring you get paid on time, keeping your costs as low as possible, and representing you during disputes with your customers. We're committed to providing the best possible service and rate structure for our merchants. We operate with transparency and care with all of our merchants, and are always only a phone call away. You'll know our names here, because we operate on a first-name basis. No phone trees when you call in, we want to talk to you!