Clear answers before you make a decision.

You tell Luis what you paid in processing fees last month, and your card sales if you have them. Within 24 to 48 hours he tells you personally whether that is fair, and if it is not, roughly where the money is going. There is no obligation to switch.

Your name, a phone number or email, and last month's total processing fees. Total card sales for the same month helps, because it lets Luis work out your effective rate. Anything else he needs, he will ask.

No. Nothing is uploaded to this website. Two totals are enough to start. If a closer look is worthwhile, Luis will tell you what he would need and why.

Within 24 to 48 hours, personally.

It is emailed straight to Luis, who replies personally by phone, text, or email, whichever you left.

Yes. Luis speaks Spanish, and the main pages of this site are available in Spanish.

Yes. As an Independent Sales Organization, Luis offers a wide range of POS software and hardware along with processing, and he will recommend what fits how your business runs.

Luis considers where customers pay, what your staff need, reporting, integrations, and support, then recommends what fits the way you operate.

Austin and Central Texas.

An Independent Sales Organization (ISO) owned by Luis Castillo, a U.S. Marine Corps veteran, serving businesses across Austin and Central Texas.

Like most ISOs, from the processing on the accounts he sets up. There is a full explanation on the How Luis Gets Paid page, and you can ask him directly how he would be paid on your account.

Contract terms depend on the solution under consideration. Ask Luis to explain the term, renewal language, cancellation provisions, and any equipment obligations before you make a decision.

Equipment arrangements vary by solution. Luis will explain whether the proposed equipment is purchased, placed, or rented, along with the relevant terms. His general advice is to buy equipment rather than lease it.

Typically one to three business days from a completed application. The application is sent securely by email. The mobile app runs on Android; iPhone support takes roughly an additional thirty days.

Compatibility depends on the software and tools you use. Share them before choosing a system.

Luis remains your direct point of contact. Support for specific products varies by provider, and he will explain the support path before you decide.

Cash discount and dual pricing distinguish cash and card prices. Surcharging adds a charge to eligible credit card transactions and has specific requirements, including that it generally cannot apply to debit cards.

No. Timing depends on eligibility, approval, cutoff times, bank support, transaction review, and applicable terms.

Yes. Virtual terminals support authorized remote payments, while recurring billing tools schedule approved repeat charges.

Yes, with compatible portable readers or wireless terminals.

The response depends on the equipment and agreement. Confirm troubleshooting contacts, coverage, timing, and backup options before installation.

Passwords, full card numbers, bank account numbers, Social Security numbers, or statement files. The forms never ask for any of them.