1. Understand the statement
Review transaction volume, processing charges, account fees and the effective rate.
Better payments.
Smarter business.
Payment processing and POS systems.
Personal support from Chris McCloskey.
Capital Region Payment Services helps businesses in Albany, Schenectady, Troy, Saratoga Springs and beyond choose the right payment processing and POS setup. Work directly with founder Chris McCloskey, starting with a free statement review or a POS consultation. When you’re ready, add practical AI and automation tools to support the way your business works.
PAYMENT SERVICES
Merchant Processing • POS Systems • Online & Mobile Payments • Recurring Billing • Statement Reviews
LEGAL PLAN SERVICES
Business & personal legal plans • Attorney consultations • Document review • Letters & phone calls • Affordable legal protection
CORPORATE SERVICES
Business Formation • State Filings • Registered Agent Options • Compliance Support • Corporate Administration
PARTNER SOLUTIONS
CPA & Accounting • Payroll & HR • Business Brokerage • Insurance & Benefits • Financing • Technology & Marketing
Trusted partners & business connections
Trusted connections. More solutions. One local point of contact.
CAPITAL REGION PAYMENT SERVICES · PAYMENTS & POS
Know what you’re paying
to accept cards.
Get a free processing statement review with Chris McCloskey. Understand your fees, compare suitable options, and discuss where there may be room to improve.
Get my free statement review → Request a POS consultationServing Albany, Schenectady, Troy, Saratoga Springs, Lake George and the Catskills.
OUR CORE BUSINESS
Payment processing and POS that fit your business.
Restaurants, retailers, offices and businesses on the go: compare the technology, processing costs and contract details around the way you work.
Explore payments & POS Review my processing statementWHAT A REVIEW COVERS
A clearer picture of your processing costs.
2. Check the fine print
Look at markups, PCI fees, equipment leases, renewal terms and early termination fees.
3. Compare the next step
Discuss suitable options, the provider behind the account and costs to confirm before signing.
How the calculation works
Illustrative example: $900 in processing charges on $30,000 in card volume equals a 3% effective rate. The next step is to understand what those charges include before comparing another offer.
Fictional figures for explanation only. This is not a client result or a savings estimate.
PAYMENT & POS PARTNER OPTIONS
Your options, coordinated through Chris.
CardConnect · RedFynn · North / EPX · Electronic Payments · Celero Commerce · KwickPOS · NRS · Xplor Pay
View all POS options →WORK DIRECTLY WITH CHRIS
A local conversation. Clear next steps.
Chris McCloskey, Founder & President of Capital Region Payment Services, helps Capital Region business owners review payment costs and compare POS options. Start with your current setup and the questions that matter to you, then discuss an appropriate next step.
Talk with ChrisNEW · FREE BUSINESS TOOL
Your business numbers. Finally making sense.
Capital Region Business Insights helps you explore sales, inventory, vendor reporting and employee hours with clear dashboards and practical AI-assisted tools.
Free for local businesses. No processing switch required. Built around your POS and available business data; connections and features depend on your system. Some setups may use exported reports or CSV files.
Explore free Business Insights → Try the sample-data demoThe Capital Retail Demo demonstration uses fictional sales, inventory and employee information. It is a concept demo, not a live merchant account.
OPTIONAL AI & AUTOMATION
Practical AI for the work behind your business.
Features include POS inventory organization, prospect research, follow-up support, CRM and relationship tracking, data cleanup and custom business tools.
POS & inventory
Products, menus, categories, modifiers and structured inventory updates.
Research & follow-up
Organized leads, public contact research, source notes, drafts and next-action tasks.
CRM & custom tools
Contacts, deal stages, notes, completed activity and separate partnership records.
Examples from completed work include Clover inventory preparation, a private CRM and multi-source lead consolidation. Private AI setups are available through Refined Solutions IT.
See AI features & project examples → Discuss my business workflowALSO AVAILABLE THROUGH CHRIS
Additional services & local connections.
Business & personal legal plans
Explore LegalShield plans for attorney consultations, document review, covered letters and calls, and business or personal legal needs.
Explore legal plans →Covered services, eligibility and limits vary by plan and state. Legal services are provided by LegalShield provider law firms.
Business formation & corporate support
Business formation, state filings, registered-agent options, compliance support and corporate administration.
Chris helps identify the need and coordinate the right resource. Provider responsibilities, fees and the scope of work are confirmed before you proceed.
Ask about corporate services →Local Business Network
Accounting, payroll, benefits, insurance, business brokerage, property services, technology and other local resources.
Meet the local network → Refer a business or connect as a partner →Capital Region Payment Services is not a law firm. Local introductions connect you with independent professionals; services and terms are agreed with the provider.
Use the form below for a statement review, POS consultation, free Business Insights access, an AI project or local introduction. Describe your business type and preferred way to reach you.
For a statement review, have up to three recent statements ready. Redact full card and bank-account numbers before sharing documents. You can attach a redacted statement below.
Attachments are optional. No obligation to change providers.
Any savings shown are estimates based on your statement, transaction mix and the plan selected. Final pricing and equipment eligibility are confirmed before enrollment.
Call ChrisTalk With Chris
Get Your Free Processing Statement Review