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Dan Price, who grew up in Nampa, started a business at age 19 in his college dormitory room. Now 24, with a brand-new degree from Seattle Pacific University, he has 37 employees. He says his company, Gravity Payments, has become the biggest credit-card payment processor in the Seattle area.

What I love about living here is how the locally owned small businesses have a neighborhood feel," he said. "I want to be part of that growth."

The brothers co-founded Gravity Payments with the aim of rectifying what they felt were problems in the payment processing industry.

Gravity Payments has much lower [attrition rate], and essentially word of mouth driven marketing leading to much lower costs of sale.

Of all the demands of running a business, shopping for a competitive credit card processor might seem trivial. Yet a healthy dose of due diligence can go a long way.