Watch your card fees get audited live.
Send one processing statement. We read it line by line, flag every junk fee, and match you with the hardware and pricing that actually fit what you run. If your deal's already fair, we'll tell you to keep it.
Illustration only — real numbers come from your own statement. Savings vary by business.
A gas station and a hair salon shouldn't be sold the same system.
Pick what you run — we'll show the setup we'd actually recommend on the phone: the hardware, the pricing model, and why. Free equipment with a month-to-month agreement, or buy it outright.
Delis & burger spots
Recommended setupClover Mini — add a Kiosk if lines form
A full register that fits a crowded counter. The self-order Kiosk takes the lunch-rush line off your one register.
Cash discount usually wins
Small tickets and plenty of cash payers make zero-fee pricing work well here — the fee stops coming out of your margin.
Seconds per order matter
At noon, the register is the bottleneck. Fast taps, quick receipts, and a kiosk that busts the line.
Pizza shops
Recommended setupStation Duo up front, Flex for drivers
Dual-screen register for walk-ins and phone orders; handheld Flex units so drivers take cards at the door.
Depends on your delivery mix
Heavy delivery changes the math. We run cash discount and interchange-plus side by side and show you both numbers.
Three ways to get paid, one system
Walk-in, phone, and doorstep all land in the same reporting — no juggling a separate machine for drivers.
Convenience stores & gas stations
Recommended setupCountertop terminal or Clover Mini
High-volume, small-ticket counters need speed and reliability more than bells and whistles.
Cash discount is the standard play
When margins are pennies, a 3% fee on a $6 sale is real money. Zero-fee pricing is built for exactly this.
Your margin is the whole game
You sell volume, not markup. The setup's one job is to stop processing fees from eating what's left.
Cafés & restaurants
Recommended setupStation Duo, plus Flex tableside
Restaurant-grade software for tabs, splits, and tips — with handhelds that take payment at the table.
We run both models on your tickets
Average ticket size decides it. Bigger checks often favor interchange-plus; counter service can favor cash discount.
Tables turn faster
Paying at the table shaves minutes off every cover — and tips, splits, and 86'd items are handled, not improvised.
Salons & spas
Recommended setupClover Mini at the desk
Compact, tidy, and appointment-friendly — takes every payment type without crowding the front desk.
Interchange-plus often wins
Larger service tickets mean the transparent pass-through-plus-markup model usually beats flat rates.
Rebooking beats rate-chasing
Card-on-file and smooth checkout protect against no-shows — worth more than a rounding error on rate.
Auto repair
Recommended setupFlex in the bay, virtual terminal in the office
Take the card at the car, and key in phone payments for parts deposits without walking anyone inside.
Interchange-plus, watched closely
On a $900 repair, half a point of hidden markup is real money. Big tickets deserve pass-through pricing you can read.
Big tickets, different math
Cash discount rarely fits large repairs — this is where reading the statement line by line pays for itself.
Something else
Let's figure it outStart simple, grow into it
A card reader or countertop terminal gets you taking payments fast — and upgrades to Clover later without switching providers.
Matched to your tickets
Tell us your average sale and monthly volume — the right model falls out of the numbers, not a sales script.
Odd setups are the fun part
Food trucks, seasonal stands, service routes — if you take cards in person, there's a right way to set it up.
Two legitimate ways to price it. We show you the math on both.
Cash discount (zero-fee)
Customers who pay cash get a small discount, and the cost of card processing is built into the listed price for cards. Done right, it's fully transparent — and the fee stops coming out of your margin every month.
It's legal in nearly all states, but the rules vary — we confirm exactly what applies to your location before setting anything up.
Interchange-plus
You pay the card networks' true cost (interchange) plus a small, stated markup — every line visible on your statement. No "non-qualified" surprises, no mystery bundled rate.
On larger tickets, this transparent model usually beats flat rates and zero-fee setups on total cost.
Every option above charges you for the hardware. Ours comes free on a month-to-month agreement — and your rate depends on your card mix, which we quote exactly once we have read one statement.
Get my free auditWhich one is right isn't an opinion — it's arithmetic on your ticket size and customer mix. We run both numbers and show you. If neither beats what you have, we'll say so.
Send one statement. We'll read it line by line.
Real cost versus markup, every junk fee flagged in plain English — "PCI non-compliance" charges, batch fees, non-qualified surcharges — and one clear number back, usually within a day. Free either way.
The questions everyone's afraid to ask.
Am I locked into a long-term contract?
How fast do I get my money?
What will this actually cost me?
Do I have to buy the equipment?
What if my current deal is already good?
What's a cash discount / zero-fee program?
Is it secure and PCI compliant?
Send one statement. Get the truth about your fees.
Free, no obligation, and yours to keep either way. Most audits turn around in a day — and if you switch, most businesses are approved and processing within 24 hours.
Request your free audit
Upload a recent statement — any format. We'll read it line by line and reply within a day.