Frequently Asked Questions
Everything you need to know about our cash discount program, payment processing, equipment, and getting started.
A cash discount program allows you to pass your credit card processing fees on to customers who pay by card, while offering a discount to customers who pay cash. Customers paying by card pay a small service fee (typically 3.99%), while your monthly processing bill drops to $100 or less — guaranteed.
Yes. Cash discount programs are legal in all 50 states and are fully compliant with Visa, Mastercard, and Amex rules when implemented correctly. We handle the compliant setup for you.
When the majority of your transactions are card-based, the service fee collected from card-paying customers covers your processing costs. The result: your net processing expense is $100/month or less, regardless of volume.
Most don't. The fee (typically 3.99%) is clearly disclosed at the terminal and on the receipt. Customers who prefer to avoid it can pay cash and receive a discount. In practice, the vast majority of businesses see no meaningful drop in card volume after switching.
We guarantee your net processing cost will be $100/month or less. If it's ever more, we'll credit the difference.
Most merchants are approved within 24–48 hours of submitting their application. High-risk merchant categories may take 2–5 business days.
After approval, we ship your terminal pre-programmed. One of our local team members walks you through setup over the phone or in person. Most businesses are processing within 3–5 business days of approval.
It helps but isn't required. If you share your last 2–3 statements, we can build a side-by-side comparison showing exactly what you'd pay with us vs. what you're paying now. No obligation.
Standard funding is next business day for most merchants. Same-day funding options are available for qualifying accounts.
No long-term contracts. No cancellation fees. We earn your business every month. If you're ever unhappy, you can walk away — no penalty.
No. Your statement will show a flat $100/month processing fee (or less). No surprise interchange fees, no batch fees, no statement fees.
Yes — we provide your terminal at no charge when you process with us. No lease, no rental, no monthly equipment fee.
We offer Clover POS and NRS POS systems, plus standalone countertop and wireless terminals. Clover is ideal for restaurants, retail, and service businesses. NRS is built for convenience stores, smoke shops, and high-volume retail.
Yes. We offer mobile processing solutions for contractors, vendors, and on-the-go businesses. Our terminals also support offline mode so you can keep accepting cards even when your internet is down.
Yes. We offer e-commerce payment solutions that integrate with your existing website or shopping cart.
We serve businesses throughout North Carolina, South Carolina, and Virginia. Our team is local — when you call, you reach an NC-based team member, not an overseas call center.
Call us. We have 24/7 technical support and can usually resolve issues remotely within minutes. If your terminal needs replacement, we ship a pre-programmed unit overnight at no charge.
Yes. We specialize in high-risk merchant accounts including tobacco shops, vape retailers, firearms dealers, and other industries that traditional processors decline.
Yes. Through our sister company Carolina ATM, we place and service ATMs for businesses across NC, SC, and VA. Learn more about ATM services →
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