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Three ways to run it. Cash discount — a posted card price and cash price, with your processing built into the rate you pick. Traditional interchange‑plus. Or the surcharge model. Same speed whichever you choose.
Step one
Not sure which fits? Tell us your monthly card volume and we’ll show the math for each rate in writing — before you sign anything.
Check what you need and mention your picks when you send your documents — we’ll quote the bundle in the same written math.
Rather keep it off the receipt entirely? You pay the card brands’ published wholesale cost, passed through at cost, plus our fixed markup — itemized on every statement. No posted card price, no customer-facing fee.
The markup never moves. Not with volume, not with card type, not at renewal. Interchange is what it is; our half is fixed and printed.
Bundle what you need with it:
Check what you need and mention your picks when you send your documents — we’ll quote the bundle in the same written math.
Included, same card price. Card-brand rules require American Express to be treated no worse than any other card — so the rate you picked above is the posted card price for Amex, Visa, Mastercard and Discover alike. Your customers never see a different number by brand.
No separate signup. Amex runs through the OptBlue program on the same terminal, the same statement and the same deposit as everything else — available for businesses under $1M a year in Amex volume, which covers nearly every local merchant.
The honest part. Amex costs slightly more behind the scenes than Visa or Mastercard, and keyed or online Amex slightly more again. That difference shows up in the written program math we send you before you sign — never in your customer’s price.
Online and keyed cards cost more to process than tapped ones — that’s why the lower tiers above are in‑person only. Online, four rails carry the load:
Need the store itself? We build online ordering, e‑commerce and gift card sites in the design studio — one partner for the site and the payments behind it.
Program two
The other compliant way to offset processing — and the one where most programs skip the facts. Here they all are.
Three honest options, one rule: tell us your volume and we’ll show all three in writing before you pick. Program terms summarized from published materials; verify current terms with each provider.
Read Mastercard’s own surcharge Q&A →Surcharging is unavailable in a small number of states (currently Connecticut, Massachusetts and Puerto Rico) and must never exceed the cost of acceptance.
Check what you need and mention your picks when you send your documents — we’ll quote the bundle in the same written math.
Then
1 · Gather
2 · Send
Send your documents and the rate or program you picked using any button below. Your application goes to underwriting the same day.
3 · We do the rest
Underwriting typically clears in 1–2 business days. Your terminal arrives configured for your rate — signage, receipts and dual pricing set up correctly — and we install it in person the same week.
Cash discount / dual pricing is configured for you to display both a card price and a cash price, with compliant signage and receipts, under card-brand rules and Arizona requirements. Rates shown are program card-price rates, not a quote; final pricing is confirmed in writing and all accounts remain subject to underwriting approval by the processor and sponsoring bank. Restrictions apply.
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