First Payment Services is so confident that we have the best Credit Card Processing program in the industry that we offer all of our financial institution partners a guarantee that they will increase their revenue from their existing program by at least 10% or we will make up the difference.* On average, our customers have increased their revenues from their existing program by 24%. How can we increase your revenue while decreasing the cost to your merchants? In part it is because we process all of our own transactions instead of outsourcing to a 3rd party, but it is mainly because we have such satisfied customers that we can make up smaller margins from loyal customers who stay with us for longer periods than our competitors.