Reduce or Eliminate Your Card Processing Fees
Will this work for your business? Read what our clients have to say about our no cost processing options.
Client Feedback
By offering dual pricing to our customers, we were able to save a substantial amount of money each year. Our customers have been understanding of this policy.
The service provided by Scott and the staff has been consistent and professional. The majority of our customers have seen the program we use, and understand it costs us money to accept cards.
When a family comes in to plan their funeral, we are upfront and transparent about our pricing. Offering dual pricing helps us keep our company overhead down; which benefits everyone.
We appreciate the local, in person support that Scott provides us. By offering a cash / card price, we have lowered our costs to operate. As a small business owner, this has been very helpful.
Common Questions & Concerns
What if my customers don’t like it?
It’s possible that a customer will not be happy seeing the card price is higher than cash. However, our merchants have told us that most customers are understanding and do not object.
Your account can be setup to bypass the card price if you prefer. This gives you the option to shift the fee for that transaction back to your business instead of the customer.
Do I have to buy new equipment?
We will provide one free countertop terminal. For more advanced operations, a complete point of sale is available.
How do I settle & reconcile my daily sales?
When the terminal settles your daily batch, it will separate the additional fees collected from your total sales. If your gross sales for the day are $1,000 you will receive $1,000 on the next business day, if your business is approved for next day funding. Most clients are automatically approved for next day funding.
What is my monthly fee?
Monthly account fee $29.00
Annual IRS reporting fee $79.00 per year.
Monthly minimum discount $30.00 (Applies if you process less than $1,000 in a month).
Additional fees apply for optional point of sale systems.
Can I use my existing Point of Sale system?
In some cases yes, we would need to have more information to confirm.
Option One – Dual Pricing
Our stand alone counter top machine is the easiest way to start. We provide one free terminal. Perfect for auto repair, dental, and low inventory businesses.
For businesses with large inventory, our Exatouch POS is the perfect solution. Print dual pricing labels for all your items. Ideal for liquor stores, convenience stores, retail, and restaurant establishments.
Sending invoices by email or processing a card on a virtual terminal? We have the perfect solution to send your clients an invoice with a card price shown to cover your fees. Direct invoicing or pay link option.
Option Two – Cash Discounting
True cash discounting involves raising all your regular prices by 3.99%.
When a customer pays with cash, an immediate discount will be applied and shown on their receipt.
If they pay with a card, the receipt will not show a discount.
A Point of Sale system is required for our cash discounting program.
Once we import your inventory, the cash discounting app automatically raises your prices with the push of a button. Print new labels and you’re on the way to savings.
Ready To Start? Here’s Our Offer
Free Terminal
We will provide one free terminal for your business.
What Fees Will my Business Pay?
A monthly account fee of $29.00 will be billed each month. An annual fee of $49.00 is billed once per year to cover the cost of PCI compliance.
*To qualify for a free terminal your business must process at least $5,000 per month.
What We Need
To get started please send your most recent processing statement and a voided check to scott@scottgibbens.com you can also fax 315 295 2539.
Once we have your information, we will prepare & email you an electronic agreement to complete. Accounts are normally approved within 1-2 business days.
We will contact you within a week to schedule a time to install your new terminal.
Please call (315) 203-1697 with questions.