Why should I consider switching from my current processor?
Most of our clients come to us because they’ve outgrown their current processor or hit limitations – whether that’s restrictive terms, poor rate structures, lack of flexibility for your business model, or simply not having a processing partner who understands the travel and events industry. We specialize in businesses processing significant volume where the right banking relationship actually matters.
What makes your banking relationships different?
We’re not captive to a single acquirer. Our relationships with multiple domestic and international acquiring banks mean we can negotiate better terms for your volume, structure deals that fit your business model, and often eliminate personal guarantees through cross-corporate guarantee structures. When you’re processing millions annually, these distinctions matter.
How do you handle high-volume seasonal businesses?
This is our specialty. Whether you’re a cruise operator with cabin deposits 12-18 months in advance, or an event company with concentrated processing windows, we work with banks that understand your cash flow cycle and won’t panic at volume spikes or hold your funds unnecessarily.
Can you work with our existing payment infrastructure?
Yes. We integrate with most major payment gateways, booking systems, and travel technology platforms. If you’re using Oracle, Authorize.net, NMI, or other industry-specific software, we’ve likely worked with it before.
What’s your application process for established businesses?
We keep it straightforward:
- Business overview – Your processing volume, business model, and what you’re looking to improve
- Processing statements – Last 3 months from your current processor
- Standard business documentation – Corporate info, ownership details, banking information
- Financial verification – For high-volume accounts, recent financials help us negotiate better terms
Timeline is typically 10-15 business days, though we can move faster when needed.
Do you require personal guarantees?
For many of our higher-volume clients, we can structure agreements without personal guarantees using cross-corporate guarantee arrangements. This depends on your processing history, volume, and financial strength, but it’s something we actively pursue for established businesses.
What about international acquiring and multi-currency processing?
We have direct relationships with international acquirers and can facilitate multi-currency processing. If you’re dealing with international customers or need to process in currencies beyond USD, we can structure that.
How do your rates compare?
For businesses processing significant volume, we typically achieve better economics than traditional ISOs because of our direct executive relationships with acquiring banks. Exact pricing depends on your volume, average ticket, business model, and risk profile. We provide transparent rate structures with no hidden fees.
What if we have unique processing needs?
Good – that’s our wheelhouse. Revenue recovery models, advance deposits, subscription-style billing for cruise cabins, complex refund scenarios – we’ve structured deals for all of it. The businesses that don’t fit standard templates are exactly who we work with.
What’s the next step?
A conversation. Call (207) 252-9204 or (404) 428-6935 email info@tpdpay.com. We’ll discuss your current situation, processing volume, and what you’re looking to improve. If we’re a good fit, we’ll move forward. If we’re not, we’ll tell you that too.