At ACCPHI (Affordable Credit Card Processing HI), we specialize in making payment processing simple, transparent, and affordable for businesses of all sizes. Whether you're accepting payments in-store, online, or on-the-go, our mission is to provide customized merchant services that help you grow your business without hidden fees or confusing contracts.

Founded and led by Barbara Springer, a seasoned professional with over 25 years of experience in the credit card processing industry, ACCPHI is built on a foundation of trust, ethics, and long-standing business relationships. Barbara’s dedication to small business success is the driving force behind our commitment to honest pricing and personalized support.

We proudly offer TRUE interchange pass-through pricing—the most transparent and cost-effective model available. By partnering with only the most trusted vendors, we ensure that every client receives best-in-class service, cutting-edge payment technology, and some of the lowest markups in the industry.

Our team works closely with a wide range of businesses—including retailers, restaurants, service providers, eCommerce stores, and professional offices—to help them accept credit cards, debit cards, contactless payments, and mobile wallets with ease and confidence.

At ACCPHI, we believe that strong relationships build strong businesses. That’s why we’re committed to being your long-term partner in merchant services, offering dedicated support and expert guidance every step of the way.

Let us help you streamline payments, reduce costs, and keep more of what you earn.