Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Commonwealth Consulting Group Merchant. Service. Experts. ## Sitemaps - [XML Sitemap](https://ccgpays.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [February 16, 2026 - Bank Holiday - Deposits Delayed](https://ccgpays.com/february-16-2026-bank-holiday-deposits-delayed/) - February 16, 2026 Bank Holiday The banks will be closed on Monday, February 16, 2026, for Presidents’ Day. Be aware that the Holiday will delay merchants’ deposits by one day. Resuming on Tuesday, February 17, 2026. Did you know? Presidents’ Day was created to honor George Washington’s birthday. It falls in mid-February, a month packed - [Visa Enforcement on  Non-Compliant Pricing Programs](https://ccgpays.com/visa-enforcement-on-non-compliant-pricing-programs/) - Visa has significantly increased enforcement actions related to non-compliant surcharge programs and has moved away from issuing warning notifications. Visa is now issuing first-level assessments of $1,000, conducting re-audits resulting in $5,000 assessments without prior notice, and enforcing its Significant Violation Schedule, which includes penalties ranging from $50,000 to $1,000,000. We are also aware of - [Massachusetts Credit Card Processing: Proposal for Surcharges.](https://ccgpays.com/mass-lawmakers-advanced-a-proposal-for-credit-card-fee-surcharges/) - Mass Lawmaker's proposal aims to provide relief to small businesses facing rising operating costs, while also increasing transparency around payment expenses. - [Federal Bank Holiday - Closed](https://ccgpays.com/federal-bank-holiday-closed/) - Martin Luther King Day - A day of service, a legacy of change. January 19, 2026, is a Federal Bank Holiday. Bank Deposits will resume on January 20, 2026. - [Virtual Cards: A Safer Future for Digital Payments](https://ccgpays.com/virtual-cards-a-safer-future-for-digital-payments/) - Virtual cards provide secure, flexible digital payment options. Learn how Mastercard and others are advancing fraud protection and online transaction safety. - [Accepting Credit Cards as a Discerning Business Owner](https://ccgpays.com/accepting-credit-cards-as-a-discerning-business-owner/) - At the end of each month, every business owner must come to grips with the reality of the costs of accepting payments from cardholders who are less loyal to cash, and more interested in earning reward points for their purchases. A credit card processing company is responsible for defining what a business must pay each - [Your Business and PCI Compliance](https://ccgpays.com/your-business-and-pci-compliance/) - All businesses that store, process or transmit payment cardholder data must be PCI Compliant. If you accept credit or debit cards as a form of payment, then PCI compliance applies to you. What is PCI compliance and how does your business comply? The Payment Card Industry Data Security Standard (PCI DSS) is a set of - [It's Time for Your Credit Card Terminal to Spring Ahead!](https://ccgpays.com/its-time-for-your-credit-card-terminal-to-spring-ahead/) - Daylight saving time begins at 2 a.m. on Sunday, March 13, 2022. That means it’s almost time for you to change the time on your credit card terminal, unless your terminal is in the PAX-A series and automatically updates the time. You need to be sure the time is correct for a couple of very - [Seasonal ATMs? Yeah, we can do that!](https://ccgpays.com/seasonal-atms-yeah-we-can-do-that/) - It's September, a time when lots of seasonal activities start to fill our calendar! Back-to-school haircut? Check. A visit to the pumpkin patch? Check. Apple picking at the orchard down the road? Check. Visit to the farm stand? Well, you get the idea. And if you're one of those merchants who experiences an increase in - [Searching for a new point of service system?](https://ccgpays.com/searching-for-a-new-point-of-service-system-we-can-help/) - Everybody knows you can’t run a retail business without a reliable point of sale (POS) system. It’s the driving force behind all the rest of your business operations. But, not all POS systems are the same, so it’s important to choose the right one. One of the many free services we offer at Commonwealth Consulting - [July 4th, Federal Holiday Banks Closed](https://ccgpays.com/july-4th-federal-holiday-banks-closed/) - Merchant. Service. Experts. Let freedom ring! Reminder: July 4th is a Federal Holiday and there will be no bank deposits. Deposits resume on July 7, 2025. - [On-site ATM will boost customer satisfaction](https://ccgpays.com/on-site-atm-will-boost-customer-satisfaction/) - As a business owner, you're always looking for ways to increase revenue and attract more customers to your establishment. One often overlooked option is installing an ATM on your premises. The benefits are clear with our free full-service ATM placement program. First and foremost, having an ATM on site will make it more convenient for - [Are Tap-to-Pay Stickers at Gas Pumps a Scam?](https://ccgpays.com/are-tap-to-pay-stickers-at-gas-pumps-a-scam/) - Concerned about tap-to-pay stickers at gas pumps? Get facts, spot tampering, skip risky swipes, and pay securely with just a few simple steps. - [Banks Closed Federal Holiday](https://ccgpays.com/juneteenth-banks-closed-federal-holiday/) - Reminder: The banks will be closed on June 19, 2025, in observance of Juneteenth. No deposits will be processed. Deposits will resume on June 20, 2025. - CCG - [Soar Payments PayPod Interviews Keith Reardon](https://ccgpays.com/soar-payments-paypod-interviews-keith-reardon/) - Custom Payment Solutions and the Future of Cash with CCG’s Keith Reardon. - [CCG discusses Merchant Services on Radio Worcester](https://ccgpays.com/ccg-on-radio-worcester/) - #post_excerptLower their credit card processing fees and streamline payments. Explore merchant services designed to boost your bottom line with CCG. On Radio Worcester, Hank Stolz spoke with Keith Reardon from Commonwealth Consulting Group and Megan MacBride from the Better Business Bureau. They talked about what merchant services are and how being accredited by the BBB can help a business grow. They also shared details about the partnership between CCG and the BBB for credit card - [Your Customers Will Thank You, and So Will Your Wallet!](https://ccgpays.com/your-customers-will-thank-you-and-so-will-your-wallet/) - Auto bodies and auto repair shops, like any other business, face several challenges when it comes to managing their finances. One of the biggest is balancing the books while keeping customers happy. One solution to this challenge is the use of a cash discounting system. A cash discounting system allows auto repair shops to offer - [Here’s a Way to Keep More of Your Profits and Grow Your Business](https://ccgpays.com/heres-a-way-to-keep-more-of-your-profits-and-grow-your-business/) - For the past dozen years or so, Commonwealth Consulting Group has been supporting businesses with the credit card processing equipment and services they need to be successful, so we know what every business owner knows: accepting credit cards leads to increased sales. But we also know that means our customers have to bear the cost - [MA rolls out SNAP Restaurant Meals Program Pilot – Applications open through August 31 for local restaurants and food trucks](https://ccgpays.com/ma-rolls-out-snap-restaurant-meals-program-pilot-applications-open-through-august-31-for-local-restaurants-and-food-trucks/) - The Baker-Polito Administration has opened a Notice of Opportunity (NOO) to strategically onboard restaurants and food trucks for the Supplemental Nutrition Assistance Program (SNAP) Restaurant Meals Program (RMP) pilot. The Restaurant Meals Program is a state option to allow certain SNAP clients, who might not be able to prepare meals for themselves or who do - [Is BNPL an option for your business?](https://ccgpays.com/is-bnpl-an-option-for-your-business/) - One of the merchant service trends you may have seen popping up all over the place lately is the process of spreading payments for products and services over a longer period of time. Though it’s not for everyone, “buy now, pay later,” or BNPL, is an idea whose time has come of age for many - [Help! My E-Commerce Site is Attracting Fraudsters!](https://ccgpays.com/help-my-e-commerce-site-is-attracting-fraudsters/) - Increasingly, we're being asked by our clients for help in protecting their e-commerce sites from hackers. One constant that repeats in these attacks is the use of bots to quickly rotate through a list of stolen credit card numbers until the bot finds one or more that are active and have not yet been reported - [What is a non-cash adjustment and is it right for my business?](https://ccgpays.com/what-is-a-non-cash-adjustment-and-is-it-right-for-my-business/) - Right about now, you’re probably thinking, “Hey, wait a minute. Haven’t they already written to me about non-cash adjustments (cash discounting) before? Why are they writing about it again?” The reason is simple. The past two years have been brutal for many of our merchant partners, and a number of them have turned to cash - [November is Cryptocurrency Literacy Month](https://ccgpays.com/november-is-crytocurrency-literacy-month/) - If you’ve been hearing the word “crypto’ a lot lately, you’re not alone. And if you’re curious about whether you may be missing out on something important, well, you’ve come to the right place. November is Crypto Literacy Month, an initiative designed by CryptoLiteracy.org, a consortium of industry insiders Coinme, CoinDesk and Digital Currency Group - [CCG is Your Best Source for FirstData Clover POS Systems](https://ccgpays.com/ccg-is-your-best-source-for-firstdata-clover-pos-systems/) - When it comes to all-in-one retail systems that you can quickly set up, take payments, and manage just about all of your customer and employee needs, we’re pretty psyched about FirstData’s family of Clover point-of-sale (POS) systems. Clover POS systems make running your business a breeze. You can take orders and accept payments from just - [If it's good enough for Gillette Stadium, it should be great for your business!](https://ccgpays.com/if-its-good-enough-for-gillette-stadium-it-should-be-great-for-your-business/) - Think you can’t run your business end-to-end on a handheld device? Think again. Our Flex system from Clover is a full-fledged point of service terminal and business management system, the ideal all-in-one device that offers built-in capabilities to accept payments, conduct business, and track sales all from the palm of your hand. We were at - [It's Time to Protect Your Business from Growing E-Commerce Fraud](https://ccgpays.com/1016-2/) - The Covid-19 pandemic of the past year created an increase in the number of online customers as business owners closed, or limited access to their brick and mortar locations and migrated online, sometimes just to survive. To no one’s surprise, the surge in online activity was accompanied by a major increase in the amount of - [Introducing CCGConnect](https://ccgpays.com/introducing-ccgconnect/) - Commonwealth Consulting Group (CCG) is branching out. We have rolled out a new turnkey solution for software developers called CCGConnect that allows business applications, such as point-of-sale (POS) systems or electronic cash registers ECRs) to integrate in-store (card present) payments. According to CCG principal, Keith Reardon, “most software companies have to spend a lot of - [Don't leave money on the table in the Visa Mastercard Settlement](https://ccgpays.com/dont-leave-money-on-the-table-in-the-visa-mastercard-settlement/) - One thing is certain in the $6.24 billion settlement to provide payments to merchants who accepted Visa and Mastercard at any time from January 1, 2004 to January 25, 2019: if you do not file a claim, you will get no money. This class action lawsuit is principally about the interchange fees attributable to merchants - [Safe Methods for Cleaning Your ATM and Credit Card Terminal](https://ccgpays.com/safe-methods-for-cleaning-your-atm-and-credit-card-terminal/) - We’ve been hearing reports from some of our customers about the increased involvement of local boards of health and state health agencies in requiring cleaning of ATM and credit card terminal keypads between sales, so we wanted to offer some thoughts about the most effective way to go about meeting these requirements. If you haven’t - [Today Marks the First Day Self-Employed, Independent Contractors Can Apply for PPP Loans](https://ccgpays.com/today-marks-the-first-day-self-employed-independent-contractors-can-apply-for-ppp-loans/) - TODAY MARKS THE FIRST DAY SELF-EMPLOYED, INDEPENDENT CONTRACTORS CAN APPLY FOR PPP LOANS PPP OPENED TO ADDITIONAL EMPLOYMENT CATEGORIES Today, Friday, April 10 marks the first day independent contractors and self-employed workers can apply for forgivable loans through the Payroll Protection Program - a $349 million segment of the $2 trillion federal CARES Act. Independent - [Here's What You Need to Know About the Visa/MasterCard Settlement](https://ccgpays.com/854-2/) - As a merchant who accepts Visa and Mastercard as a form of payment, you’ve most likely received a NOTICE OF CLASS ACTION SETTLEMENT AUTHORIZED BY THE U.S. DISTRICT COURT, EASTERN DISTRICT OF NEW YORK indicating that the Court has preliminarily approved a superseding settlement of $5.54 billion in a class action lawsuit, called In re - [Cash Discounting in A Credit Card World](https://ccgpays.com/cash-discounting-in-a-credit-card-world/) - A savvy merchant knows that being able to accept credit cards from customers is a lucrative part of doing business. The sobering reality of the credit card processing world is that fees associated with swiping credit cards are costly. If implemented correctly, cash discount programs can significantly reduce or eliminate credit card processing fees. What - [Is Owning an ATM a Good Investment?](https://ccgpays.com/is-owning-an-atm-a-good-investment/) - Automated teller machines (ATMs) were introduced 50 years ago. Although some might argue that cash use is diminishing, ATMs seem to be evolving and trending. We believe they will continue to play an important role and fill a need into the foreseeable future. Savvy business owners should always be looking for ways to increase their - [What Are Mobile Payments and Why They’re a Good Thing](https://ccgpays.com/what-are-mobile-payments-and-why-theyre-a-good-thing/) - Apple Pay, Google Pay, and Samsung Pay are all mobile payment tools utilizing near field communications (NFC) technology. NFC has been around since the early 2000s but up until the last few years it hasn’t been a common way to make a payment. The adoption of chip based (EMV) credit and debit cards in the - [Should my business be concerned about cryptocurrencies?](https://ccgpays.com/should-my-business-be-concerned-about-cryptocurrencies/) - Anyone who follows the financial industry has heard of cryptocurrencies by now. And because of the potential for cryptocurrencies to disrupt the current payment ecosystem, the business world began paying attention to this new technology a few years ago. With all the talk surrounding cryptocurrencies, many of our clients are wondering if their business will - [Cash In by Letting Event Attendees Cash Out: Short-term ATM Solutions](https://ccgpays.com/cash-in-by-letting-event-attendees-cash-out-short-term-atm-solutions/) - What do food truck fairs, farmers’ markets, music festivals, and community events all have in common? Attendees at each event almost always have a need for cash. And nothing provides convenient access to cash during these events like an ATM. Whether you’re managing a large multi-day music festival or a half-day community block celebration, it ## Pages - [Home](https://ccgpays.com/) - Your Partner in the Payment Industry. Accept credit and debit cards from your customers efficiently and cost-effectively. - [Payment Terms & Conditions](https://ccgpays.com/payment-terms-conditions/) - Answers to frequently asked questions on payment terms, such as when are payments due, late fees, and accepted payment methods. - [Privacy Policy](https://ccgpays.com/privacy-policy/) - Privacy Policy; What information do we collect? We collect information from you when you subscribe to our newsletter or fill out a form. - [Millbury MA area payment processing services](https://ccgpays.com/millbury-ma-area-payment-processing-services/) - Our world-class customer service from qualified local Millbury MA representatives offer several financial services. - [Contact Us](https://ccgpays.com/contact-us/) - Contact us at Commonwealth Consulting Group, LLC, 50 Howe Avenue, Building G, Suite 7, Millbury, MA 01527, or call 1-800-866-3944. - [Jennifer Raffa, Office Manager](https://ccgpays.com/about/jennifer-raffa-office-manager/) - Jennifer Raffa is the Office Manager at Commonwealth Consulting Group - CCG ATM, working behind the scenes in Merchant Accounts Support. - [New to Credit Card Processing](https://ccgpays.com/services/new-to-credit-card-processing/) - Businesses need a flexible and responsive partner to handle their payment processing needs. We provide tailored solutions, support, and direction that match the needs of your business. - [About](https://ccgpays.com/about/) - Our company was founded on the mission of providing clients with cost-effective payment processing and efficient credit card processing solutions. - [Business to Business & Business to Government](https://ccgpays.com/industries/business-to-business-business-to-government/) - If your customers are other businesses or government entities, there are ways to lower your costs. - [Auto Dealers](https://ccgpays.com/industries/auto-dealers/) - Our technology can integrate payments for your dealership, service, parts, and online parts store. - [Disclaimer](https://ccgpays.com/legal/) - The information contained in this website is provided by CCG for general information purposes only. - [Conway NH area payment processing services](https://ccgpays.com/conway-nh-area-payment-processing-services/) - We offer world-class customer service from our qualified local Conway, NH representatives. - [Careers](https://ccgpays.com/careers/) - Careers at Commonwealth Consulting Group - a leader in Massachusetts payment processing solutions. Join our team today. - [Keith Reardon, Co-Founder](https://ccgpays.com/about/keith-reardon-co-founder/) - A native of Worcester County, Keith Reardon is the co-founder of Commonwealth Consulting Group. He graduated from Holy Cross with a degree in chemistry. - [Julie Conlon, Account Executive](https://ccgpays.com/about/julie-conlon-account-executive/) - Julie Conlon is an Account Executive for Commonwealth Consulting Group. She specializes in tailoring solutions to match the payment processing needs of a business. - [Jim Romeo, Director of Operations](https://ccgpays.com/about/jim-romeo-director-operations/) - Jim Romeo is the Director of Operations at Commonwealth Consulting Group. He brings his experience as a former Marine and Mortgage Originator to the company. - [Blog](https://ccgpays.com/blog/) - News and articles from Commonwealth Consulting Group regarding credit card and other payment processing solutions and changes in the industry. - [Ilene Holman, Account Manager](https://ccgpays.com/about/ilene-holman-account-manager/) - Ilene Holman is an independent sales contractor with experience in credit card processing, payroll services, merchant services and ATM needs. - [Brian Pelczarski, Co-Founder](https://ccgpays.com/about/brian-pelczarski-co-founder/) - Brian Pelczarski is a co-founder of CCG and offers clients a wealth of experience backed up by an academic appreciation of finance and its structures. - [Already Have Credit Card Processing](https://ccgpays.com/services/already-have-credit-card-processing/) - Use the form below or call 800-866-3944 to request your complimentary audit to understand what you pay now and see your potential savings. - [ACH, EFT & eChecks](https://ccgpays.com/services/ach-eft-echecks/) - Commonwealth Consulting Group enables businesses to draft payment from customer checking or savings accounts via ACH, EFT, or eCheck. - [Terminals](https://ccgpays.com/products/terminals/) - CCG offers a wide variety of Countertop Terminal and POS solutions. Ask your consultant about which of these solutions will best support your business. - [Products](https://ccgpays.com/products/) - We have a full line of credit/debit card processing terminals, PIN pads, USB card readers, and smartphone and tablet card readers for all business types. - [Universities](https://ccgpays.com/industries/universities/) - We can help you take advantage of the special processing rates available to universities and schools. - [Supermarkets](https://ccgpays.com/industries/supermarkets/) - Make checkout an easy process for your customers, no matter how many terminals you need. - [Retail & Restaurants](https://ccgpays.com/industries/retail-restaurants/) - Make payment processing an integral part of the customer service experience. From standalone terminals to integrated POS systems, we can help. - [Petroleum & Sanitation](https://ccgpays.com/industries/petroleum-sanitation/) - Let us show you how to integrate a single payment system with your petroleum business software systems. - [Non-profits](https://ccgpays.com/industries/non-profits/) - We focus on meeting your payment processing needs so that you can focus on your mission. - [Municipalities](https://ccgpays.com/industries/municipalities/) - CCG can integrate your municipal website and online billing system to allow residents to pay municipal bills, fines, or renewals online. - [Manufacturers](https://ccgpays.com/industries/manufacturers/) - Integrate your payment processing, accounting, and accounts receivables systems. We’ll show you how. - [Lodging & Auto Rental](https://ccgpays.com/industries/lodging-auto-rental/) - Make your customers happy by getting them in and out quickly with our industry knowledge and payment processing solutions. - [Insurance](https://ccgpays.com/industries/insurance/) - Our experience allows you to enjoy industry-specific rates and savings of which other payment processors do not take advantage. - [Healthcare](https://ccgpays.com/industries/healthcare/) - Healthcare is big business, and we have the technology to help you process credit, debit, and HSA/FSA cards. - [eCommerce](https://ccgpays.com/industries/ecommerce/) - If eCommerce is important to your business, then our solutions ensure that your transactions are safe, simple, and secure. - [Industries](https://ccgpays.com/industries/) - No matter your industry, we can help you accept credit and debit cards from your customers efficiently and cost-effectively. - [Why CCG](https://ccgpays.com/why-ccg/) - CCG was founded with a mission: to ensure every client is processing all forms of electronic payments with the most cost-effective and efficient solutions. - [Washington D.C. area payment processing services](https://ccgpays.com/washington-d-c-area-payment-processing-services/) - We are backed up by world-class customer service from qualified local Washington D.C. representatives. - [Terms-of-use](https://ccgpays.com/terms-of-use/) - By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use - [Syracuse, NY area payment processing services](https://ccgpays.com/syracuse-ny-area-payment-processing-services/) - Commonwealth Consulting Group was founded with a single mission: to ensure every client is processing all forms of electronic payments with the most cost-effective and efficient solutions. - [POS Systems](https://ccgpays.com/services/pos-systems/) - Our intelligent solutions support computer-based transactions and those processed through tablets, cell phones, and mobile devices. - [Mobile Payments](https://ccgpays.com/services/mobile-payments/) - Mobile payments made easy - Only 2.25% per swipe with no monthly fees on tablets and cells. - [Institution Partner](https://ccgpays.com/services/institution-partner/) - Beyond traditional credit card processing, Commonwealth Consulting Group provides tailored solutions that match the needs of your business. - [Gift Cards and Loyalty Cards](https://ccgpays.com/services/gift-cards-and-loyalty-cards/) - Customized to reflect your brand, our cards are made of high-quality plastic resin and can be redeemed on a standard POS system without any transaction fees. - [eCommerce](https://ccgpays.com/services/ecommerce/) - Our robust solutions ensure that your transactions remain safe, simple, and secure, whatever the size of your company. - [Credit/Debit Cards](https://ccgpays.com/services/credit-debit-cards/) - We will work to ensure your point-of-sales (POS) payments are processed cost effectively, quickly and accurately. - [Cash Advance](https://ccgpays.com/services/cash-advance/) - Our Cash Advance program offers customers access to additional funds to ease their financial burden. - [ATMs](https://ccgpays.com/services/atms/) - Commonwealth Consulting Group is a full service provider of ATM products and services. - [Services](https://ccgpays.com/services/) - Commonwealth Consulting Group provides tailored solutions, support and direction that that match the needs of your business with our boutique touch. - [It's Almost Time for Your Credit Card Terminal to Spring Ahead!](https://ccgpays.com/1112-2/) - It’s Almost Time for Your Credit Card Terminal to Spring Ahead! Daylight saving time begins at 2 a.m. on Sunday, March 13, 2022. That means it’s almost time for you to change the time on your credit card terminal, unless your terminal is in the PAX-A series and automatically updates the time. You need to ## Categories - [Uncategorized](https://ccgpays.com/category/uncategorized/) - [ATM](https://ccgpays.com/category/atm/) - [Mobile Payments](https://ccgpays.com/category/mobile-payments/) - [Cryptocurrency](https://ccgpays.com/category/cryptocurrency/) - [Cash/Credit](https://ccgpays.com/category/cash-credit/) - [Interviews](https://ccgpays.com/category/interviews/) - [Bank Holiday - Closed](https://ccgpays.com/category/bank-holiday-closed/) ## Tags - [#VisaMCSettlement](https://ccgpays.com/tag/visamcsettlement/) - [#FileMyClaim](https://ccgpays.com/tag/filemyclaim/) - [#ClassActionSuit](https://ccgpays.com/tag/classactionsuit/) - [merchant services](https://ccgpays.com/tag/merchant-services/) - [credit card processing](https://ccgpays.com/tag/credit-card-processing/) - [payments](https://ccgpays.com/tag/payments/) - [accreditation](https://ccgpays.com/tag/accreditation/) - [juneteenth](https://ccgpays.com/tag/juneteenth/) - [banks](https://ccgpays.com/tag/banks/) - [closed](https://ccgpays.com/tag/closed/) - [Bank Holiday](https://ccgpays.com/tag/bank-holiday/) - [No Deposits](https://ccgpays.com/tag/no-deposits/) - [Federal](https://ccgpays.com/tag/federal/) - [Holiday](https://ccgpays.com/tag/holiday/) - [tap-to-pay](https://ccgpays.com/tag/tap-to-pay/) - [credit card](https://ccgpays.com/tag/credit-card/) - [payment security](https://ccgpays.com/tag/payment-security/) - [fraud prevention](https://ccgpays.com/tag/fraud-prevention/) - [contactless payments](https://ccgpays.com/tag/contactless-payments/) - [cash discounting](https://ccgpays.com/tag/cash-discounting/) - [surcharge compliance](https://ccgpays.com/tag/surcharge-compliance/) - [Massachusetts businesses](https://ccgpays.com/tag/massachusetts-businesses/)