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American Processing Company in Atlanta, GA
American Processing Company is a merchant services provider offering payment processing, POS systems, and digital marketing solutions to small and independent businesses nationwide.
Data compiled from public sources · Rating from CreditDoc methodology
American Processing Company Review
American Processing Company has operated for over 12 years as a merchant services and business solutions provider. The company positions itself as a partner for independent business owners seeking integrated payment and marketing solutions rather than a traditional lender. They maintain multiple sales offices nationwide and claim to have processed billions of dollars in transactions.
The company offers two primary service categories: payment processing solutions and digital marketing. On the payments side, they provide credit card processing, cash discounting programs (claiming up to 80% fee reduction), point-of-sale systems with contactless terminals, online payment acceptance, B2B payment processing, and gift/loyalty card programs. Their digital marketing offerings include website design, local SEO optimization, SEO-friendly blogging, and social media management. Each client receives a dedicated account manager.
American Processing Company distinguishes itself through integrated service delivery—combining payment processing with digital marketing under one account manager rather than requiring separate vendors. They emphasize cost-effectiveness and customizable solutions for businesses of all sizes. The company is registered as an ISO (Independent Sales Organization) with Wells Fargo Bank, N.A. and Fifth Third Bank, N.A., which indicates legitimate merchant acquiring partnerships.
As a merchant services provider rather than a traditional lender, American Processing Company does not offer business loans, lines of credit, or SBA financing—despite its current categorization. The company's core value proposition is payment processing efficiency and digital marketing support for existing businesses with established operations, not capital solutions for businesses needing funding.
Services & Features
B2B payment processing
Cash discounting programs
Credit card payment processing
Dedicated account management
Gift and loyalty card programs
Local SEO optimization
Local business listing optimization (Core Local)
Online payment acceptance
Point-of-sale (POS) systems and contactless terminals
SEO-friendly blog content creation
Social media management
Website design and redesign
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 12+ years of documented operating history in merchant services
- Dual-service model combining payment processing and digital marketing reduces vendor fragmentation
- Dedicated account managers assigned to each client for ongoing support
- Cash discounting program claims up to 80% reduction in credit card processing fees
- Registered ISO with established major bank partnerships (Wells Fargo, Fifth Third Bank)
- Multiple sales offices nationwide indicating established infrastructure
- No-obligation consultation model allows prospects to evaluate fit before commitment
- Customizable solutions explicitly designed for businesses of varying sizes
Cons
- Website makes vague claims ("billions of dollars processed") without specific transaction volume or merchant count data
- No transparent pricing information available on website; requires direct consultation to obtain rates
- Limited detail on cash discounting terms, implementation costs, or actual fee savings calculations
- No independent reviews, testimonials, or case studies provided to verify service quality claims
- Not a lender—cannot provide business capital, loans, or lines of credit despite category placement
Rating Breakdown
Value 2.0
Effectiveness 1.0
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Frequently Asked Questions
Is American Processing Company legitimate?
Yes. American Processing Company is a registered company, headquartered in 3475 Lenox Rd NE Suite 700, Atlanta, GA 30326.
Quick Facts
- Headquarters
- 3475 Lenox Rd NE Suite 700, Atlanta, GA 30326
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on American Processing Company
American Processing Company is best for established independent businesses and retailers seeking integrated payment processing and digital marketing services under a single account manager, not for businesses requiring capital or financing. The primary caveat is that this is a merchant services provider, not a lender—it solves operational efficiency and marketing visibility problems for businesses with existing revenue, not capital access problems for businesses needing funding.
Best For
- Small to mid-sized independent retailers seeking to consolidate payment processing and digital marketing vendors
- Established local businesses looking to optimize website design and local search visibility simultaneously
- Merchants seeking to reduce credit card processing fees through cash discount programs
- Multi-location businesses needing POS system integration across multiple sales offices
Updated 2026-04-29
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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