Pricing — NextPay

Payment processing

Ways to process: pick what fits

Every program is transparent. We'll review your statement and match or beat your effective rate.

Dual Pricing

0% effective

Offset processing by offering a cash price and a card price. Customers who pay by card cover the fee, so card costs come off your books.

Effectively eliminate card fees
Compliant signage & receipts included
Card-paying customers run ~3–4%

Transparent

Interchange-Plus

Cost + flat markup

You see interchange passed through at cost plus one clear, flat markup. The most transparent traditional model for established businesses.

No hidden tiers
Great for higher volume
Match-or-beat your rate

Simple

Flat Rate

One simple rate

A single predictable rate per transaction. It's the easiest to understand, and great for newer or lower-volume businesses.

Predictable statements
No monthly minimums
Upgrade anytime

How dual pricing really works: it's a separate program from interchange or flat rate. When a customer chooses to pay the fee on card, the effective card rate is typically 3–4% depending on card mix and volume. On the full program this can eliminate your processing fees entirely. A business processing $50,000/month typically pays $1,500–$2,000 in fees, so the savings can run $18,000–$24,000 a year, replaced by a single flat monthly cost.^* Businesses that see a lot of AMEX or premium rewards cards may still pay some processing unless they're on the full ~4% program. We'll model your exact mix before you decide.

^* Dual pricing replaces percentage-based processing fees with a flat monthly cost. Actual savings depend on your card mix, volume, and program tier.

Pricing programs in detail

Every program, explained

Tap any program to see how it works, who it's best for, and a worked example. We'll match or beat your effective rate on any of them.

Compliance matters. We handle it.

Dual pricing, cash discount and surcharge programs are governed by card-brand rules and state laws. Set them up wrong and you risk card-network fines, chargebacks, or a frozen account. NextPay configures the right pricing, signage, receipt disclosures and legal caps so you stay compliant from day one.

Dual Pricing· most popular, ~0% effective

Every item shows a lower cash price and a slightly higher card price, side by side. Customers who pay by card cover the processing fee, so you net the cash price either way.

Worked example

$100 cash price · $103.50 card price → you keep $100 on every sale.

Best for

Retail, restaurants and service businesses that want to wipe out processing costs with clear, upfront pricing.

Do you pay per-transaction fees?

Usually none. The card price is designed to cover both parts of processing — the percentage and the cents-per-transaction (the "10¢" you see in models like interchange). On most NextPay dual-pricing products you pay nothing per swipe, just the flat monthly software fee. (Online gateways bill their own small per-transaction fee separately.)

Staying compliant

Both the cash and card prices must be clearly shown before checkout, and the card price disclosed on signage and receipts. We set up the compliant two-price display and receipt language so you're covered.

0% effectiveClear signageCard payer covers fee

Cash Discount· one posted price

You post the card price everywhere, then give customers a discount for paying cash at the register. Card payers fund the processing; cash payers save.

Worked example

Posted $103.50 · cash discount −$3.50 → cash customer pays $100; card sales cost you nothing.

Best for

Businesses that prefer a single posted price and simple signage over a two-price display.

Do you pay per-transaction fees?

Usually none. The posted card price is sized to cover the percentage and the per-transaction cents. On most programs card sales cost you nothing per swipe.

Staying compliant

The posted price must be the card price, with the cash discount applied at the register and disclosed on signage and receipts. We configure the posting and disclosures the compliant way.

Single priceSimple signageCash incentive

Surcharge· credit cards only

A compliant fee is added to credit-card transactions only (never debit), automatically capped to card-brand and state limits. Debit and cash pay the base price.

Worked example

$100 base + 3% credit surcharge → credit customer pays $103; debit & cash stay $100.

Best for

Credit-heavy or B2B merchants in states where surcharging is permitted. We keep you within the legal caps.

Do you pay per-transaction fees?

On debit, yes. Card rules make surcharges percentage-only — fixed cents can't be passed on — and debit cards can never be surcharged. So credit costs are absorbed by the capped surcharge, but you still pay standard processing (percentage + cents) on every debit sale.

Staying compliant

Surcharges apply to credit only (never debit or prepaid), are capped (commonly up to 3%), require advance card-brand notice plus clear signage and a receipt line item, and are restricted in a few states. We handle the caps, notices and disclosures so you never cross a line.

Credit onlyCapped & compliantDebit exempt

Interchange-Plus· transparent, cost + markup

The wholesale interchange set by Visa/Mastercard is passed straight through at cost, and NextPay adds one clear, flat markup. The most transparent way to process.

Worked example

On a $100 sale: interchange (e.g. 1.80% + 10¢) at cost + a flat markup (e.g. 0.30%) → you see exactly what each part costs.

Do you pay per-transaction fees?

Yes. A small per-transaction fee passes through with interchange, itemized on your statement.

Best for

Established or higher-volume merchants who want full transparency and the lowest true cost.

Cost + flat markupFully transparentGreat at volume

Flat Rate· one simple rate

One rate applies to every card sale regardless of card type, plus a small per-transaction fee. The easiest model to forecast: what you see is what you pay.

Worked example

2.6% + 10¢ on a $100 sale = $2.70, the same whether it's a debit or a rewards card.

Heads up: flat-rate providers charge different rates per channel — in person vs. online vs. keyed. Square, for example, runs ~2.6% + 15¢ in person but 2.9%+ + 30¢ online and 3.5% + 15¢ keyed. Always compare the rate for the channel you actually sell in.

Do you pay per-transaction fees?

Yes, built in. The "+ 10¢" or "+ 15¢" is part of the advertised rate on every sale — that's the trade for simplicity.

Best for

Newer or lower-volume businesses that value simplicity and predictable costs.

One ratePredictableEasy to forecast

Membership / Subscription· flat monthly, 0% markup

You pay a flat monthly membership and get interchange passed through at cost with 0% markup: just the wholesale cost plus a small per-transaction fee (typically 5–15¢). Volume makes the membership pay for itself.

Worked example

Flat $X/month + interchange at cost + a small per-transaction fee (typically 5–15¢), with no percentage markup on top.

Do you pay per-transaction fees?

Yes. A small per-transaction fee (typically 5–15¢) applies — but with 0% percentage markup, high-volume merchants come out well ahead.

Best for

High-volume merchants whose savings on markup outweigh the monthly fee.

Flat monthly0% markupBest at high volume

Quick answer: do I pay a per-transaction fee?

Dual PricingUsually noneCard price covers the % and the cents on most products

Cash DiscountUsually nonePosted card price covers both parts on most products

SurchargeOn debitSurcharge is %-only and never applies to debit — debit sales still cost you standard processing

Interchange-PlusYesA small per-transaction fee, itemized on your statement

Flat RateYesBuilt into the advertised rate

MembershipYesA small per-transaction fee, with 0% percentage markup

Online gateways (FluidPay, NMI, Authorize.net…) bill their own small per-transaction fee — see Gateway pricing.

Which saves you the most?

Dual Pricing and Cash Discount take your effective processing cost closest to zero — and both are legal in all 50 states when set up correctly. Surcharge passes only the credit cost (credit cards only, never debit, capped at no more than 3% and not allowed in every state). Interchange-Plus is transparent and low, but not as cost-effective as the fee programs above. Flat Rate is the simplest to forecast but usually the priciest at higher volume. We'll look at your statement and match you to the program that keeps the most in your pocket.

POS systems

POS software & hardware pricing

Each system is priced its own way. Here's the structure for every brand. See each brand's page for the full lineup.

Plus plan recommended for restaurants & retail

See lineup

Software

$0–$149/mo per location

Processing

2.4%–2.6% + 15¢ in person

Hardware

Reader $59 · Register $799 · buy or finance monthly

Software plans

Square Free

$0/mo

Pay only when you take a payment

Square Plus

$49/mo per location

Lower fees, industry POS, loyalty · 30-day free trial

Square Premium

$149/mo per location

Lowest fees, 24/7 support, advanced reporting

Square Pro

Custom

For businesses processing $250K+/yr

Processing fees: Free / Plus / Premium

Tap, dip or swipe 2.6% / 2.5% / 2.4% + 15¢ Online & invoices 3.3% / 2.9% / 2.9% + 30¢ Keyed / card on file 3.5% + 15¢ ACH bank transfer 1%, $1 min Afterpay 6% + 30¢ Cash or check Free

Hardware & app add-ons — buy outright or finance monthly (12–24 mo)

Reader (contactless + chip) $59 Stand for iPad $149 Terminal $299 · $27/mo Register $799 Handheld $399 · $37/mo KDS app $30 / $20 per device Kiosk app $50 / $30 per device

Tap to Pay on iPhone & Android included, no extra hardware needed. Plus/Premium pricing is per location; processing fees shown are Free / Plus / Premium tiers.

No upfront · dual pricing

See lineup

Software

$29.99/mo per terminal

Processing

0% with dual pricing

Hardware

$0 upfront

Plans priced per device + buy/placement hardware

See lineup

Software

$0–$89.95/mo per plan

Processing

Custom · match or beat

Hardware

Buy or monthly placement

Software plans by device

Starter / Healthcare

$0/mo, 1 device

+ $11.95 each additional

Essentials

$29.95/mo

Includes Clover Go · + $11.95 each additional

Growth (Retail/Services/Restaurant)

$84.95+/mo

+ $19.95 each additional device

Hardware: purchase / placement

Station Duo $2,078 · $55/mo Station Solo $1,766 · $45/mo Mini $937 · $25/mo Flex $758 · $20/mo Pocket $449 · $18/mo Kiosk $3,587 · $90/mo KDS 24" $722 · $24/mo Cash Drawer $79 · $5/mo

Bundles & more accessories (scanners, kitchen printers, mounts) available. Ask for the full sheet.

Budget-friendly · simple flat rate, no contracts

See lineup

Software

$0 POS Lite · from $99/mo SumUp POS

Processing

2.6% + 10¢ in person · 3.5% + 15¢ online

Hardware

Readers from $54 · Terminal $249 · POS from $499

Hardware (one-time, no monthly on Lite & readers)

Card readers (Solo Lite / Solo) from $54 SumUp Terminal — palm POS w/ printer $249 POS Lite & Solo bundle — 13" register from $499 SumUp POS — full system from $799

Software plans

POS Lite $0/mo SumUp POS w/ Connect Lite from $99/mo Connect Plus $199/mo Connect Pro $289/mo Online Ordering +$19/mo

Loyalty built in on POS plans. No contracts, no monthly fee on POS Lite and card readers.

All-inclusive · zero processing fees

See lineup

Software

$59 / $79 / $99 /mo

Processing

0% with dual pricing

Hardware

Station + Reader $999

Software plans

Starter

$59/mo

Processing, support, reporting, online ordering, take-out.

Growth

$79/mo

+ invoicing, delivery, KDS, fine dine-in, scan gun.

Enterprise

$99/mo

+ gift cards, loyalty, marketing, catering, multi-location.

Per-register plans + à la carte modules

Learn more

Software

$59 / $79 / $99 per register

Processing

NextPay · match or beat

Hardware

Quoted

Plans (per register)

Core

$59/mo

Checkout, product DB, KPI reports, eCommerce, gift cards, 24/7 support.

Retail

$79/mo

+ inventory, stock management, barcode, supplier interface, CRM.

Plus

$99/mo

+ advanced stock, per-store pricing, ABC analysis, accounting export.

Add-on modules

Food +$10/mo Invoicing +$10/mo Ticketing +$50/mo per gate Franchise +$30/mo Integration +$45/mo per token

Cloud iPad POS · priced per terminal

See lineup

Software

Lite $30 · POS $60 /mo per terminal

Processing

NextPay · match or beat

Hardware

Quoted per setup

Additional terminals discounted; save 10% with annual prepay. Customer Display +$10/mo. iPads not included.

Bodega & tobacco/vape · convenience-store POS

Learn more

Software

Get a quote

Processing

NextPay · dual pricing or match-or-beat

Hardware

Quoted per setup

Built for convenience, bodega, tobacco & vape — age verification, scan data & a free loyalty program. EBT available; ask for a quote.

Value Android cloud register

Learn more

Software

Low monthly

Processing

0% with dual pricing

Hardware

Quoted · Android / iOS

Partner POS · F&B & retail, offline mode

Learn more

Software

$29 Lite · $69 Complete /mo

Processing

As low as 2.39% + 5¢ in person

Hardware

Get a quote

Browse all POS systems

Ways to process: pick what fits

Dual Pricing

Interchange-Plus

Flat Rate

Every program, explained

Worked example

Best for

Do you pay per-transaction fees?

Staying compliant

Worked example

Best for

Do you pay per-transaction fees?

Staying compliant

Worked example

Best for

Do you pay per-transaction fees?

Staying compliant

Worked example

Do you pay per-transaction fees?

Best for

Worked example

Do you pay per-transaction fees?

Best for

Worked example

Do you pay per-transaction fees?

Best for

POS software & hardware pricing

Square Free

Square Plus

Square Premium

Square Pro

Starter / Healthcare

Essentials

Growth (Retail/Services/Restaurant)

Starter

Growth

Enterprise

Core

Retail

Plus

Terminal pricing

Gateway pricing

Tools to run & grow, priced simply

NextLink

Payroll & Workers Comp

Bookkeeping

Priced to the deal, not a sticker

Business Brokerage

NextFund — Business Funding

A custom quote in minutes