What you need to know
- Interchange-plus pricing with a fixed, published markup
- Next-day funding on batches closed by 10pm ET
- Clover POS for restaurant, retail, salon and service verticals
- Compliant dual pricing and surcharge programs
- No install or setup fees when bundled
- Live support 24/7 from a named account engineer
How merchant pricing actually works
Every card transaction has three cost layers: interchange paid to the issuing bank, assessments paid to Visa, Mastercard, Discover or Amex, and the processor markup. The first two are non-negotiable and identical for every merchant. The markup is the only piece anyone competes on, and it is the piece tiered pricing is designed to hide.
Under a tiered plan, your processor decides which transactions are "qualified" and which get downgraded. Under flat-rate, you pay one blended number that quietly over-charges on debit and under-serves on rewards-heavy volume. Under interchange-plus, you see the true cost of each transaction plus a fixed markup that does not move.
Send us one recent statement and we will rebuild it under cost-plus so you can see the delta in dollars, not percentages.
Clover POS matched to how your floor actually runs
A quick-service counter, a full-service dining room and a multi-chair salon do not need the same terminal. We survey the floor first, then specify the Clover devices that fit: Station Duo at the counter, Mini where space is tight, Flex for pay-at-table and curbside, and Clover Kiosk for high-throughput QSR.
Every Clover deployment ships pre-configured with your menu or catalog, tax rules, tip prompts, user permissions, apps from the Clover App Market and receipt branding already loaded. Staff training happens on-site before go-live, not over a support call on a Saturday.
Underwriting, funding and chargeback support
As an ISO agent we submit your application to the sponsoring registered ISO and its member bank. Most low-risk accounts approve within one business day; high-risk and high-volume files take longer because underwriting reviews processing history and financials.
Once live, batches closed by 10pm ET fund the next business day. Chargebacks route through a dedicated representment workflow: we assemble the evidence packet, including CCTV footage tied to the transaction when you run our camera system.
What switching processors looks like
Day one: statement analysis and hardware audit. Day two to five: application, underwriting and account boarding. Day six to ten: on-site install, network check, staff training and parallel testing. We do not cut the old account until the new one has settled a live batch.
If your current provider has an early termination fee, tell us the amount up front, buyouts are common on qualifying volume.