MERCHANT SERVICES · POS · CARD MACHINES
Merchant services and card processing for small restaurants and stores
Truvana Tech helps small restaurants and stores in DC, Maryland and Northern Virginia see every card fee before they sign, avoid equipment lease traps and run a POS their team can read in Spanish or English.
- No contract, every fee in writing
- Setup and support in English or Spanish
- Free hardware with processing*
POS systems, card machines and invoicing for small business
Built for Latino restaurants and stores
Most payment companies were built for English-speaking owners. Here is what changes when the system, the paperwork and the people work in your language.
Screens and kitchen tickets in Spanish
Cashiers, servers and cooks work in Spanish or English: the POS, the kiosk and the kitchen tickets.
Customers order in their language
A self-order kiosk and an online menu with photos, in Spanish or English, so nobody translates at the counter.
Phone orders in Spanish and English
AI phone answering picks up when the kitchen is busy, takes the pickup order in either language and texts a link to pay.
Every fee explained before you sign
Truvana Tech reads your statement with you line by line, in English or Spanish, and puts its own offer in writing.
No equipment lease
Hardware is free when you process with us, and your quote says what happens if you leave.
Cash prices the way your state allows
We explain the card fee rules where you are and set up a cash price or a surcharge that fits them.
Why a local team that speaks your language
When a system stops on a busy night, you need someone who answers. Truvana Tech installs on site in DC, Maryland and Northern Virginia and stays your contact, in English or Spanish.
When it breaks
Call the team that set it up
When the system stops on a busy night, you call the local team that installed it, in English or Spanish. If it needs a visit, we come to your place.
- Support in English or Spanish
- On-site visits when needed
Close by
Set up and trained where you work
We cover DC, Montgomery and Prince George's counties in Maryland, and Northern Virginia, from Columbia Heights and Langley Park to Wheaton and Columbia Pike. We install at your counter and test a sale.
- Menu or products loaded for you
- Training on site
Before you sign
Every line explained in your language
We quote after we see one statement. Your written quote lists the card processing fee and the monthly fee, and there is no contract.
- No contract
- No equipment lease
The card processing problems Truvana Tech fixes
The problems owners bring us are rarely about the machine. They are about fees, contracts and who answers the phone.
Truvana Tech
How to get started, in three steps
Opening or switching, it starts with one conversation and ends with a visit to your place. Switching? Keep your old account open until the first deposit from the new one arrives.
- 01
Ask for a statement review
Use the form on this page. We tell you how to send one recent statement.
- 03
We install and train your team
We set up the system at your place, test a sale and train your team in English or Spanish.
What are merchant services?
Merchant services are everything a business needs to accept card payments. Banks, processors and local teams like ours sell them.
Merchant account
The account that lets your business accept cards.
Card processing
Moves each card sale to your bank, for a fee.
POS or card machine
Where your customers pay.
Someone to call
Help when the system stops working.
How much does credit card processing cost?
Flat rates for in-person card sales usually run about 2.3% to 2.9% plus a few cents per sale. On Square's free plan an in-person sale costs 2.6% + 15¢: $2.75 on a $100.00 sale (Square's fees, checked November 10, 2026).
| Cost | What it is | What to check |
|---|---|---|
| Card rate | A percentage plus a few cents per sale | Keyed-in and online sales usually cost more |
| Monthly fees | Account, statement, PCI and minimum fees | They charge even in a slow month |
| Hardware | The POS or card machine | Bought, free or leased; a lease can outlast your business |
| Contract | The term, renewal and exit fee | In 2022 the FTC said one processor held owners to English-only contracts with a $495 exit fee (FTC) |
*Hardware is free when you process your card sales with us; your written quote shows the terms.
Send one card statement. We'll show you every fee.
In English or Spanish, free and with no commitment: what you pay today, what you would pay with us, and what is in your current contract.
Merchant services questions owners ask
What are merchant services in banking?
Merchant services in banking are the same service sold by a bank: an account that lets your business accept cards and deposits the sales into your bank account. You can keep your bank and process with any provider.
What is a 3% merchant fee?
A 3% merchant fee is either what a business pays to accept a card ($3.00 on a $100.00 sale) or a surcharge on the customer's bill. Offers that promise you will pay nothing to take cards ("sin comisiones") usually add that fee to your customer's bill. Visa caps a surcharge at 3%, it is never allowed on debit cards, and the rules differ in DC, Maryland and Virginia; see the card fee rules by state.
What is the cheapest merchant service?
The cheapest merchant service has the lowest total cost for your card mix, not the lowest advertised rate. Divide one month's fees by that month's card sales: $600 on $20,000 is an effective rate of 3%. Then add hardware, any lease and any exit fee.
Which merchant service is best for a small business?
The best merchant service for a small business shows its total cost, lets you leave the contract and answers when the system goes down. Get every fee, the term, the exit fee and who owns the machine in writing; our switching checklist shows where to look. With Truvana Tech there is no contract.
What are the top 5 merchant services?
There is no official top five, and no ranking can see your card mix or your contract. Many owners start by comparing Square, Clover and Toast; we compare them, with sources, in Square vs Clover, Toast vs Clover and Clover alternatives.
See what you would pay
Tell us about your place, or ask for a free review of one card statement. A person replies in English or Spanish.
Tell us about your business
Your name and email are enough to start. Write in English or Spanish.