YOUR “RATE” ISN'T THE REAL QUESTION.
Are You Paying More Than You Should?
How your merchant account is set up and how transactions are processed directly affects what your business pays. David Hopwood reviews your actual statement — line by line — at no cost and no obligation.
Prefer to talk? Call David directly at 405-241-SAVE.
How Processing Costs Actually Work
Your Processor Can't Control Interchange. But How Your Account Is Set Up Can Affect What You Pay.
The base cost of every transaction. No processor can change this — it flows directly to the bank that issued the card.
The margin your processor charges on top of interchange. It varies widely — and it is negotiable.
How your account is configured — card types accepted, transaction routing, and fee structure — can directly affect your effective rate.
Local Service. Nationwide Solutions.
Meet David Hopwood
Representing You, Not a Company.
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.
Most merchant services reps are trying to sell you their processor's program. As an independent consultant, my job is to understand your business first, then find the right solution — across multiple processors, not just one.
When you work with me, you work directly with me — not a call center.
Real Businesses. Real Numbers.
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.”
DON'T GUESS. LET'S LOOK AT THE NUMBERS.
Upload your current merchant statement and David will identify exactly what you're paying — every rate, every markup, every recurring fee — and whether your account is set up in a way that makes sense for your business type and volume.
Your true all-in cost as a percentage of volume
Processor margin separated from base interchange
Monthly, annual, and recurring fees itemized
Free • Confidential • No Obligation
How It Works
Three Steps. No Obligation.
Less than 5 minutes on your end. David does the analysis — you make the call.
Upload Your Statement
Send your current merchant statement — any processor, any format. Takes less than 2 minutes.
Receive a Fee Analysis
David breaks down every rate, markup, and recurring fee line by line so you have a clear picture of your total cost.
Decide With No Obligation
Review the numbers and decide if switching makes financial sense. Zero pressure, zero commitment.
Why APS
Why Businesses Choose Accurate Payment Systems
Independent Processor Selection
Your business is matched with the appropriate processing platform instead of being forced into one company's standard program.
Transparent Cost-Plus Pricing
We separate actual card costs from processor markup so you can clearly see where your processing dollars are going.
Next-Day Funding
Next-day funding options may be available based on processor, settlement time and account eligibility.
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
Every proposed rate and fee is clearly disclosed before you make a decision.
FIND YOUR PAYMENT SETUP
What Type of Business Do You Operate?
Opening a new business or accepting payments for the first time?
HELP ME GET SET UPIndustry Solutions
Processing Built for Your Industry
Accurate Payment Systems works with retailers, restaurants, healthcare providers, B2B companies, nonprofits, and more — across all 50 states.
DON'T GUESS. LET'S LOOK AT THE NUMBERS.
Whether you're reviewing what you currently pay or setting up for the first time — David can help.
Existing Business
Already accepting cards?
Let David review what you are currently paying.
New Business
Opening a business or accepting payments for the first time?
Get help selecting the right setup.