Process Green is a merchant services company specializing in credit card processing, payment gateways, and merchant account management for high-risk and low-risk businesses in California.
Data compiled from public sources · Rating from CreditDoc methodology
Process Green is a California-certified green business that provides merchant services and credit card processing solutions. The company positions itself as a dedicated advisor helping businesses accelerate merchant account approvals, minimize processing rates, and maintain account security. Founded on principles of transparency and social responsibility, Process Green differentiates itself through a cause-marketing model where 10% of company profits are donated to a non-profit of the client's choosing.
The company offers four primary service categories: Merchant Account Management with customized solutions and technical support; Robust Payment Gateway Options ensuring secure data facilitation between merchant and processor; Advanced Merchant Processing Equipment for various business types; and Cause Marketing initiatives. All services are reportedly provided at no additional cost. Process Green emphasizes rapid merchant account approvals, chargeback prevention, fraud protection, and PCI compliance.
Process Green distinguishes itself primarily through its profit-sharing model and commitment to green business practices. The company claims to negotiate the lowest transaction rates and processing fees through close relationships with registered ISOs, and provides a complimentary merchant account assessment. Customer testimonials highlight superior customer service and measurable cost savings on processing fees. The company serves both high-risk and low-risk merchants across various industries including healthcare and automotive services.
As a merchant services provider rather than a lender, Process Green is positioned correctly within business services. The company's strength lies in cost negotiation and account management rather than capital provision. The cause-marketing component is genuine and verifiable through their California green business certification. However, specific rate guarantees, approval timelines, and comparative data are not provided on the website, requiring direct contact for detailed pricing and terms.
Yes. Process Green Merchant Services - Credit Card Processing (California Certified Green Business) is a registered company, headquartered in Los Angeles, CA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Process Green is best for California-based small to mid-sized businesses seeking reduced credit card processing costs combined with social impact through their profit-sharing model. The primary caveat is that specific rate guarantees, approval timelines, and comparative pricing data are unavailable on their website—interested merchants must contact them directly for detailed terms and verification of claimed savings.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
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.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
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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