Why Choose Ledgewater Consulting?
Meet Crystal
Owner & founder of Ledgewater Consulting
A Journey Home
As with many young dreamers from small towns, I wanted to explore the world—a journey that took me from “Hotlanta” overseas to Kyiv, Ukraine, to Charleston’s cobblestone charm and finally returning home.
That restless journey taught me something invaluable: there is dignity in honest work. And I fell into the complex world of payment processing and payroll—where business owners were victim to predatory practices: oversold on unnecessary POS systems, trapped in leases, and were gradually worn down by escalating fees and commission-driven agents.
I have a deep respect for entrepreneurs and small business owners who pour their hearts into their ventures, working endless hours, and deserving advocates who understand their struggles.
I’ve built relationships rooted in genuine care for each business owner’s success with a simple mission: to restore integrity to an industry that too often lacks it. I answer every call and respond to every email because trust, once earned, must be carefully tended.
I approach businesses not as a vendor, but as an educator and ally. And when my business day ends, you might find me crafting my latest novel or mentoring fellow writers, playing tennis or humbling myself on the golf course.
From small-town roots to global adventures and back home again, every chapter of my life and every experience has prepared me to serve those who strive to build something of their own.
Crystal Cole
Wife, Mother, Friend
Maine Women’s Business List
Discover and support Maine’s thriving community of woman-owned businesses. Explore the exceptional female entrepreneurs driving the state’s economic growth.
SCORE Seacoast
The Registry lists firms and individuals across southern New Hampshire that provide free initial consultations to assist small businesses.
Competitors
Flagship Merchant Services utilizes a tiered rate system, meaning the processing fee can very depending on the transaction volume and other factors.
MODEL OF SERVICE
Ledgewater Consulting
Your business is written at a marked-up rate, you know the number of basis points that have been added to your Interchange Rate, and that won’t increase.
Rates at 0.38$ + $0.19 per transaction for debit cards and 1.58% for credit cards, but these are only a portion of the overall fees assigned to your account.
CREDIT CARD RATES
Rates are around 50-70 basis points + $0.07 – $0.10 per transaction. Period.
Swipe and keyed-in transaction rates can be as high as 4.99%.
SWIPE & KEYED-IN RATES
Swipe and keyed-in transaction rates will add on only 30 basis points for CNP (card not present transactions).
Other companies charge monthly fees, annual fees, high non-PCI compliance fees, high transactional fees, and other ‘junk’ fees that are not part of Interchange at all.
MONTHLY & ANNUAL FEES
Our monthly fees $20; there is no annual fee; this includes PSI Security and support is provided to ensure compliance.
Call’s aren’t returned; service is provided’ and if a contract is involved, the agent who signed on the account has no financial incentive to respond/assist after the sale.
ONGOING SERVICE
My cell is provided, as is our Customer Support number. I answer client calls, address concerns & work with clients to ‘watch over’ this portion of their business.
Concerns about the transparency of their pricing, without full disclosure of fees and rates.
TRANSPARENCY CONCERNS
Statements are reviewed to identify pricing and show exactly what was paid to run customer cards.
What Our Customers are Saying
★★★★★
"Crystal is in my Top 10 Maine business people you NEED to know. She cares and she delivers first in class service to her clients."
- Sean M.
Small business owner
★★★★★
"Crystal is dedicated to helping her clients find the right solutions for payroll processing based on their unique business needs. She takes the time to really get to know and provide personalized support to her clients. Highly recommend! "
-Amy S.
★★★★★
"Crystal Cole has been one of the best business reps I've ever worked with. She's excellent with installation an setup, great with answering questions, and awesome with taking care of any issues that come up. Can't recommend her enough!"
- Will
Kennebunk Business Owner