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Keep More of YOUR Money
With our Simple and Easy Merchant Solutions
Change The Way You Get Paid
We partner with industry leaders to deliver secure, reliable, and high-value credit card processing services that you can trust. Our commitment to safety ensures your transactions are handled with utmost dependability, giving you peace of mind and exceptional value.
Our solutions are trusted by more than 15,000 companies. Will yours be next?
How It Works
The Cash Discount Program is a way for you, as the merchant, to save money on all your current merchant service fees without increasing your rates or raising your prices.
What you get is a method of implementing a service fee to all customers, while giving a discount to those that pay with cash.
Your customers who pay with cash will avoid this service fee, and all others will see a line time added to their receipt.
It is out proprietary technology that allows this to happen and keeps us within the mandatory guidelines established by Vise, MasterCard, and processor regulators.
And to keep your customers informed, we provide you with customized Cash Discount Signage for the front door and register of your business.
How Much Can You Save?
We are partnered with Paybotx
For over 15 years, Paybotx has been a registered independent sales organization (ISO), authorized to facilitate payments through major card networks like Visa, MasterCard, Discover, and American Express.
Paybotx has forged strategic partnerships with Global Payments and Fiserv, two of the world's leading payment processing giants.
With a nationwide presence, Paybotx boasts a formidable sales force of more than 1,000 representatives, catering to the payment needs of over 15,000 businesses across the United States, in partnership with Fiserv and Global Payments.
Types of Financing
At Four Emerchant Service, we understand that every business has unique financial needs and preferences. That's why we offer a variety of financing options to suit your specific requirements, ensuring secure, reliable, and high-value credit card processing services. Here's a glimpse into our diverse financing solutions:
- Traditional Financing: Looking to optimize your costs without compromising on service quality? Share a copy of your processing statement with us, and let's explore how we can help you save money. Our expert team will analyze your current rates and propose a tailored solution that enhances your savings.
- Cash Discount Program: Embrace simplicity and savings with our Cash Discount program. This option allows your customers to cover the processing fees, enabling you to enjoy the full value of every transaction. It's an efficient way to manage costs while maintaining transparency with your customers.
- Hybrid Financing: Prefer a balanced approach? Our Hybrid Financing option allows you to share the cost of processing fees with your customers. For example, you could pay a minimal 1.5% while your customers contribute 2.5%. This method fosters a fair distribution of fees, ensuring both parties benefit from the transaction.
Choose the financing option that best aligns with your business goals. At Four Emerchant Service, we're committed to providing you with flexible, dependable solutions that safeguard your transactions and add exceptional value to your business.
Will yours be the next company to trust in our services?
Fees
Transparent, straightforward pricing that aligns with your business needs is what you deserve, and understanding fees shouldn't be complicated, which is why we've designed our fee structure to be clear and predictable, allowing you to plan your expenses without any surprises.
Here's how our fee system works to support your business:
Basic Terminal Fees: Our basic terminal option is as straightforward as it gets. For a flat fee of $10, regardless of whether you process $1 or $1 million, the fee remains constant. This model is perfect for businesses looking for stability in their monthly expenses, ensuring that high processing volumes won't lead to higher fees.
Point of Sale (POS) System Fees: For businesses that require more advanced functionality from their POS systems, our fees start at $19.95. The final cost is tailored to meet your specific needs, scaling with the complexity and features of the POS system you choose. Whether you're looking for inventory management, employee tracking, customer relationship management, or any other advanced feature, we work with you to identify the best POS system that fits your operational requirements and budget.
We understand that every dollar counts for your business. That's why we've committed to providing secure, reliable, and high-value credit card processing services with a fee structure designed to offer exceptional value and peace of mind.
Let us help you find the perfect balance of functionality and cost-efficiency, ensuring that your transactions are handled with the utmost dependability.
Is it time for your business to benefit from our transparent fee structure?
Benefits of Our Programs
Navigating the complexities of payment processing and managing transaction costs can be challenging for businesses of all sizes.
Understanding this, we've tailored our services to directly address and solve these critical issues, offering you peace of mind and a clear path to greater financial efficiency.
By partnering with us, you gain access to a suite of benefits designed to simplify your operations, enhance your cost management, and ensure that every transaction is smooth and secure.
Here's how you benefit from our commitment to transparency, simplicity, and tailored solutions:
- Straightforward Fee Structure: With Four Emerchant Service, you'll find clarity and predictability in our fee system. Whether it’s through our basic terminal option, available for a flat fee of $10, or our customizable Point of Sale (POS) system fees starting at $19.95, our straightforward pricing means no surprises. This ensures that you can plan your expenses with confidence, knowing that your processing needs are met without unexpected costs.
- Tailored POS Solutions: Our advanced POS systems are designed to cater to your specific operational needs, from inventory management to customer relationship management. By working closely with you, we identify and implement a POS system that not only meets your current requirements but also scales with your business, ensuring that you’re always ahead of the curve in terms of efficiency and service delivery.
- Enhanced Revenue Through Cash Discount Programs: Our cash discount programs offer an innovative way to eliminate the fees typically charged by credit card companies. This program is fully compliant across all 50 states, offering you a zero-cost processing solution that encourages cash transactions, thereby saving on credit and debit card transaction fees. By implementing such programs, you reward cash-paying customers with no additional fees, while slightly increasing prices for credit transactions to offset processing costs.
- Competitive Advantage: Embracing our cash discount programs not only reduces your operational costs but also provides a competitive edge by allowing you to offer more attractive pricing to cash-paying customers. This strategic approach ensures that your business remains competitive, even against larger enterprises, by maximizing revenue and minimizing unnecessary expenses.
- Dependability and Security: With Four Emerchant Service, your transactions are processed with the utmost reliability and security, providing you and your customers with peace of mind. Our commitment to high-value credit card processing services means your business benefits from both exceptional value and unwavering transactional integrity.
Our focus is on providing secure, reliable, and high-value credit card processing services that resonate with your need for clarity, predictability, and efficiency in every transaction. Through our flexible financing options and dedicated support, discover why over 15,000 companies have chosen to elevate their payment processing with this same experience.
Isn't it time your business enjoyed the benefits of a transparent fee structure and a partnership that prioritizes your success?
Testimonials
"Working with Adam has been great. If you are looking for a company you can trust to be there when you need them... look no further. Not only has Adam gone above and beyond to answer all my questions but also walked me through step by step how to set up the new terminal. This thing is awesome and helps me see money. What's not to like?!"
Brian Bashcraft
Frequently Asked Questions
Navigating the intricacies of payment processing options can lead to a variety of questions.
To assist you in better understanding our services and how they can benefit your business, we've compiled answers to some of the most frequently asked questions.
Here's what you need to know to make informed decisions about implementing cash discounts and surcharge programs.
Is Offering a Cash Discount Legally Permitted?
Absolutely!
A common question we get revolves around the legality of cash discounts.
Rest assured, offering a cash discount to your customers is perfectly legal in all 50 states.
It's important to differentiate between a cash discount and a credit card surcharge or fee, which isn't permitted everywhere.
Specifically, credit card surcharging is restricted in ten states, including Texas, Oklahoma, New York, Massachusetts, Maine, Kansas, Florida, Connecticut, Colorado, and California.
Our cash discount program is designed to comply with these regulations, ensuring you can reward cash-paying customers legally and effectively.
What Constitutes a Surcharge Program?
A surcharge program involves adding an extra fee to transactions when customers choose to pay with a credit card, intended to cover the costs associated with merchant processing.
While surcharge programs offer a solution to manage processing fees, they are legally allowed in only 40 of the 50 states.
Unlike surcharge programs, cash discount programs are universally legal and often more favorably received by customers since they reward rather than penalize the payment method.
How Do Cash Discount and Surcharge Programs Differ?
Both cash discount and surcharge programs are designed to address the fees merchants face when accepting credit card payments.
The key difference lies in their approach: surcharge programs impose an additional fee on credit card transactions to cover processing costs, while cash discount programs offer a reduced price for payments made in cash.
This distinction means that with a cash discount program, the displayed or regular prices assume credit card payment, and using cash offers a savings incentive, typically up to 4%.
This approach not only helps you manage processing fees without imposing extra charges on customers but also enhances customer satisfaction by providing tangible savings for choosing cash payments.
When weighing the benefits of a credit card surcharge versus a cash discount, consider which option aligns with your customer service philosophy and business model.
Remember, while no one enjoys unexpected fees, everyone appreciates a good discount.
Cash Discount Program Participants
About Us
Growing your business in today's competitive landscape isn't easy, and that is why you need people like Adam and Amanda on your side.
You deserve to have a payments partner you can trust to have your back. That's where we come in.
We've been helping businesses just like yours reduce costs, optimize payments, and streamline operations by staying up-to-date on the latest industry trends and technologies so we can offer you tailored solutions that meet your specific business goals.
We will take the time to understand your unique needs and challenges so we can provide dedicated, ongoing support to help empower your business and gain an edge.
If you want personalized service from payment experts who truly care about your business, let's talk.
We're ready to help you boost your financial performance so you can focus on what matters most: growing.
Free Consultation
We’d love to to discuss this great opportunity with you. Send a message using the form below we’ll get back to you as soon as we can.
