Card processing · Maine & New Hampshire
You keep one hundred percent of every ticket. Your customers choose how they pay — cash or card — and whoever chooses card covers the cost of the card. No monthly processing bill, no rate creeping up every year, no four-year lease.
The math
Most merchants know their rate. Almost none know what it costs over twelve months. Put your own numbers in — nothing here is an industry average.
Straight answer: the number below is what leaves your business. Under a cash-discount program it stays in the business instead.
Example default — change it.
Total fees ÷ total volume.
An estimate from the figures you entered, not a quote. Your statement shows the real number.
How it works
A recent month is enough. I read the fees line by line and tell you what you're actually paying — including the ones buried in the back pages.
Annual cost today against annual cost under the program. If your current deal is better, I'll say so and you keep it.
Valor Pay, Clover or Toast — whichever fits how you take orders. Delivered, programmed and tested before you're live.
Register signs, receipt language and a ten-minute walkthrough for whoever's on the counter.
Equipment
These are the three I deploy and support. The right one depends on how you take orders — not on which pays me more.
Valor Pay
The workhorse for a service counter, salon chair or small retail floor. Fast tap and insert, printed receipts, and a screen that shows the cash price next to the card price.
Clover
Take the terminal to the table, the chair or the job site. Mini and Station Duo cover a fixed counter with a cash drawer and a customer-facing screen.
Toast
Built for table service and high-volume counters: handhelds for servers, terminals at the bar, tickets routed straight to the kitchen.
In use
Fit
No
I'll tell you which group you're in before you sign anything. A merchant who knows I said no is worth more than one who finds out later.
Straight answers
If something here is unclear, ask me directly — I'd rather explain it now than have you surprised by a statement later.
Yes, in all fifty states. This is a cash-discount program, not a surcharge. Prices at your register already include the card cost, and customers paying cash get that amount taken off. Surcharging — adding a fee on top of the posted price — is a different thing and is restricted or banned in several states.
Two things make it clean: the discount is disclosed at the point of entry and again on the receipt, and it applies to every card type the same way. I supply the signage and set the receipt language for you.
A sign at the door and at the register, and a line on the receipt showing what they saved by paying cash. The screen shows both prices before they choose.
That transparency is the whole point. A customer who feels tricked disputes the charge; a customer who was told up front doesn't.
No. Funds settle into the same business account you use now, on the same schedule. What changes is the fee line, not the deposit.
Send me the contract page with the term and the early-termination language and I'll price it honestly. Sometimes the fee is smaller than twelve months of fees and the switch is obvious. Sometimes it isn't, and I'll tell you to sit tight until it expires.
That fee is a billing line, not a legal finding — and a lot of merchants pay it monthly for years without knowing why. Your compliance level depends on your annual volume and how you take cards. I'll tell you which self-assessment applies to you and what it actually requires.
Any term, lease, monthly fee or minimum gets written down and shown to you before you sign. If the hardware carries a term, you'll see the length and the exit formula on the same page as the price — not in a footer.
Usually a week from a signed application: a day or two for underwriting, then a scheduled install, then a test transaction before you take a real one. Restaurant installs get scheduled around service hours.
Outside Maine and New Hampshire, hardware ships programmed and I set it up with you remotely — same program, same pricing, any state.
Next step
Photograph last month's statement and text it over. You'll get the annual cost, line by line, and what it becomes under the program. No meeting to explain a meeting.