About Us

For over three decades, Dennis ran his own successful service business. He built it the old-fashioned way — through consistency, trust, and personal relationships with his customers. But as time went on, he noticed something changing.

More and more of his customers started paying with credit cards. At first, it was a convenience — payments came faster, late balances dropped, and cash flow improved. But there was a catch.

Each time a customer swiped their card, Dennis was the one paying the price. Processing fees began to climb, adding up to over $15,000 a year — money taken straight out of his business to fund credit card reward programs and bank incentives.

He'd have customers tell him, ‘I can’t wait to use my card — I’ll get so many points!’ And he’d smile and think, ‘Yes, and I’m the one paying for them.’

Like thousands of other small business owners across the country, he felt stuck. Credit cards had become essential, but the costs were eating into profits — and there seemed to be no alternative.

That’s when Dennis discovered a smarter way.

Through the EDGE Program, he found a solution that allowed business owners to accept cards without sacrificing their hard-earned income. By implementing a simple cash discount system, customers can choose to pay with cash, check, or money order and receive a discount, or pay by card and cover the standard 4% processing fee themselves.

The result?

• Better cash flow and higher margins
   
• Fewer chargebacks and fraud issues
   
• Transparent pricing and easy compliance
   
• A modern system that works with today’s payment technology

Customers still earn their credit card points — but now, they’re paying for their own rewards. Businesses keep 100% of what they earn. It’s fair, simple, and completely compliant with all major credit card guidelines.

Inspired by this shift, Dennis partnered with his daughter, Alina, to launch Orion Bank Card Services — a family-run merchant services company dedicated to helping local business owners take back control of their finances.

Together, they’re helping small businesses across the country join a growing movement toward cash discounting and dual pricing — a model already adopted by gas stations, universities, retail shops, and more nationwide.

Four years ago, only 2% of U.S. businesses were using this system. That number has already more than doubled — and it’s projected to double again in the next few years. Why wait? Get ahead and never pay to accept credit cards again. Take control of merchant payment processing fees.

The message is clear: the future of payments is changing, and small businesses deserve to be part of it.

At Orion, we believe in empowering business owners to save where it matters most — without hidden fees, confusing contracts, or corporate jargon. We’re here to make your business more sustainable, more profitable, and more resilient in an evolving economy.

Let’s get you started. Join the Orion family today — and keep what’s yours.