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Credit card processing questions

Credit card processing for small business, explained in plain words. Merchant services for small business owners, cash discount, dual pricing, machines and fees. Short answers to what business owners ask us most. Do not see yours? Call (323) 900-5776 or get a free quote.

Common questions

What is your rate?

We can eliminate your card fees with a cash discount or dual pricing program, where the law allows. Your real numbers depend on your sales. Your rep looks at your statement and gives you a real quote.

How does a cash discount work?

Your price tag shows the card price. A customer who pays cash gets a small discount. The card fee is built into the card price, so you keep more of each sale.

Can you work with businesses in my state?

Yes. We can work with businesses in all 50 states. Your rep sets up your program the right way for your state's rules.

Am I locked into a contract?

Most businesses are month to month. A few special setups need a contract. Your rep tells you up front, in writing.

Do I need a new machine?

Maybe not. Tell us what you use now. If you need a new one, your rep picks the right one and sets it up with you.

How fast do I get my money?

Standard card payouts take 1 to 2 business days. Some businesses can qualify for same day payouts.

Will my money get frozen?

Holds often happen when a big sale surprises the bank. We ask about your biggest sales when we set you up, so a big job is not a surprise.

Who answers when I call your number?

Elena, our AI assistant, answers first. She asks a few quick questions. Then she sets up a call with a real payment specialist.

Who do I call when something breaks?

Your own account rep. A real person who knows your business, not an 800 number.

I don't take cards yet. Can you help?

Yes. Tell us about how much your business takes in each month, cash included. We will get you set up to take cards.

What is a cash discount program?

A way to price your sales so card fees are covered. Your posted price is the card price, and cash buyers get a small discount.

Is a cash discount program legal?

Yes. Federal law lets a business give a discount to customers who pay cash. Card brand rules and state laws set how you show prices and signs. We can set up businesses in all 50 states, the right way for each state.

Do I need signs for a cash discount program?

Yes. Clear signs at the door and the counter tell customers how it works. Your rep helps you get them right.

Will this work with my Clover?

Many Clover setups can run it. Tell your rep what you have and they will check before you change anything.

How much can I save?

Card fees often run about 3% of card sales. Use the fee calculator on our home page to see your number. Your rep gives you a real quote from your statement.

What is dual pricing?

Showing a cash price and a card price for each item. Customers pick how to pay. The card price covers the card fee.

Is dual pricing legal?

Yes, when it is set up right. Card brand rules and state laws set how prices must be shown. We can set up businesses in all 50 states, the right way for each state.

Is dual pricing the same as a cash discount?

Close, but not the same. A cash discount posts the card price and takes money off for cash. Dual pricing posts both prices.

Do I need dual pricing labels?

Yes. Your price labels or menu need to show both prices. Your rep tells you exactly what to put up.

How do I stop paying credit card fees?

Use a cash discount or dual pricing program. The card price covers the card fee, so you stop paying it out of your own pocket.

How much are credit card fees for businesses?

Often about 3% of card sales once every fee is added up. Your statement shows your real number. Your rep can walk you through it.

Can a business charge customers a credit card fee?

A business can price sales so card fees are covered, like with a cash discount or dual pricing. Card brand rules and state laws set how. Your rep sets it up the right way for your state.

Why did my credit card fees go up?

Fees often rise as you sell more, when rates change, or when new monthly fees get added. Send us your statement and we will show you where the money goes.

Is cash discount legal in my state?

We can set up businesses in all 50 states. Each state has its own rules for how prices and signs look, and your rep sets your program up to follow them.

Can businesses charge a credit card fee?

A business can price its sales so the card fee is covered with a cash discount or dual pricing, following card brand rules and state laws.

Do I need special signs?

Yes. Clear signs are part of doing it right. Your rep helps you put up the right ones.

See what you could keep.

Send us a recent statement. Your rep shows you every fee and a real quote.