Rates and fees
Processor markup, assessments, recurring charges, equipment fees and the effective monthly cost.
Cash register + payment processing guidance
Get a clear review of your merchant statement
We look at the complete monthly cost, equipment, contract terms and checkout workflow before recommending a processing path.
Equipment-awareRegister and terminal compatibility come first
Complete-cost reviewNot just a headline processing rate
Guided applicationApply after the program and equipment fit are clear
What to send
A recent, complete monthly statement is the best starting point
Include the pages showing volume, transactions, rates, fees and monthly charges. Tell us what register or POS system you use, the payment terminal model, number of locations and what you want to improve.
Equipment fit
Register, POS, terminal, gateway, cabling and integration requirements that affect the real solution.
Contract concerns
Term, cancellation exposure and replacement timing that should be understood before making a change.
Business goals
What happens at the counter, where delays occur and whether the current setup still fits the business.
Verified program information
What we can place today
Only programs confirmed with our processing partners are shown here. Anything not yet confirmed stays unpublished rather than implied.
Confirmed program paths
- Interchange-plus pricing
- Cash discount
- Dual pricing
Confirmed merchant coverage
Continental United States, Alaska, and Hawaii
Which program and provider fit your business depends on your card volume, transaction mix, equipment and any agreement you are already in. We work that out with you during the review rather than asking you to pick a provider from a page.
Approval, pricing, equipment, funding and program availability are subject to underwriting, the provider's credit policy, and a written merchant agreement. Nothing here is an offer or a guarantee of approval.
Straight answers
Before you change anything
Do I have to change processors to buy a SAM4S register?
No. A processor change is not required to buy a register. We discuss processing separately when it could improve the complete checkout setup.
Can you guarantee that I will save money?
No. A responsible comparison requires the complete statement, equipment requirements, business mix and written program terms. We compare the full cost and workflow rather than promise savings from a single rate.
Can I keep my existing payment terminal?
Possibly. Compatibility depends on the processor, platform, gateway, terminal model, interface, cabling and whether the payment flow is separate or integrated. We verify the exact configuration before recommending it.
Why review the register and terminal together?
A register may support a separate terminal without supporting a particular integrated payment connection. Confirming the full workflow prevents equipment and programming surprises.
Two things worth reading before you decide: what PCI responsibility actually covers when a register takes cards, and how Florida service charges and card surcharges affect register programming.
Next step
Start with the facts you already have
A recent statement and the model names from your counter are enough to begin.
Before you send it
Tell us what we are looking at
Four quick answers so the review comes back about your business rather than in general terms. Rough is fine, and not sure is a normal answer to all of them.
Step 1 of 9: your business
What this asks you
- Your business type — retail, food service, liquor, convenience, grocery or a service counter. It decides which registers are worth showing.
- The register — raised-key suits item and barcode entry; flat keyboards suit menu-driven ordering.
- Barcode scanning — including whether you already own a scanner we should check.
- Printing — the receipt printer, the internal journal station, an external receipt printer and a kitchen printer are four different things, and only the last one prints in a prep area.
- Other peripherals — a cash drawer is already included with every current register we sell, so it is listed, not sold to you again.
- Programming — departments, items, taxes, clerks, tenders and menu keys, quoted before any work starts.
- Card processing — optional. You do not need to change processors to buy a register from us.
At the end you get one of three answers: a package you can buy, a package to configure, or verification required — which means one part of the combination is not proven yet and we will confirm it before you spend anything. We would rather tell you that than sell you a scanner that turns out not to talk to your register.
Switching assistance
If changing processors makes sense, we also look at the cost of making the change
Up to $500 in switching assistance
You may qualify for up to $500 toward eligible payment equipment, setup or programming, or documented switching costs. What you qualify for depends on your equipment, processing volume, the program you move to, underwriting and the written offer terms. We review your current setup and statement first, then show any approved assistance in writing.
Payment equipment
We first check whether the equipment you already have can stay. If replacement equipment is needed, we can review available equipment assistance and show the exact terms before you decide.
Setup & programming
Some qualifying proposals may include reduced or waived SAM4sDirect setup or programming work. Any credit or waiver is shown on the written proposal rather than assumed from a promotion.
Contract or equipment lease
If your current arrangement has an early-termination cost, equipment lease or payoff obligation, send the documentation with your review. We can determine whether switching assistance is available; your existing agreement remains between you and that provider.
Rate & fee comparison
We compare the complete current cost with the written proposed cost, including recurring fees and equipment where relevant. If your current arrangement is already the better choice, staying with it is a valid outcome.
Where the assistance comes from
Today this assistance is provided by SAM4sDirect. If a particular processing program contributes to your proposal as well, that will be stated in the proposal itself. Either way the help is itemized, so you can see exactly what is being credited and what you are responsible for.
No obligation to switch.
Program availability, equipment, credits, pricing and approval vary by merchant and written offer terms. We do not make a switching recommendation until we have reviewed the facts of your current setup.
Switching, explained
What actually happens when you change processors
Changing processors is usually less disruptive than people expect, but it is not nothing, and you deserve to see the whole shape of it before you decide. Here is what actually happens, in the order it happens. We help you manage each step rather than handing you a checklist and wishing you luck.
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We look at your current arrangement
What you pay now, how it is structured, and what you are actually getting for it. A recent, complete monthly statement tells us most of this.
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We inventory the equipment on your counter
The register or POS, the terminal, and everything plugged into them. What you own, and what belongs to somebody else, are different questions with different answers.
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We establish the integration
Whether payment is separate from your register or connected to it. This one answer decides how much of the rest is straightforward, so we confirm the integration rather than assume it.
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We identify a processor that fits
Fit means your equipment, your integration, your business mix and your volume, not a headline rate on a comparison page.
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You review the contractual considerations
Your existing agreement may have a term, a notice period, an early-termination provision, or leased equipment attached to it. We will help you read it and understand what it commits you to. What happens next is between you and that provider, and we will not pretend otherwise.
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We confirm any replacement equipment
Sometimes none is needed. Where it is, we confirm compatibility for your exact configuration before recommending it, and where we have not verified something we say so instead of assuming it will be fine.
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You complete the application and setup
Underwriting is the provider's decision, on their credit policy, and it ends in a written merchant agreement. We help you prepare a complete application, which is the part that is actually within anyone's control.
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We handle configuration
Terminal or integration settings, your register programming where it is affected, and the details that decide whether the first live shift is calm.
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Testing, before anything goes live
Test transactions, refunds, tips and batching where they apply, and the reporting that has to reconcile afterwards.
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Cutover, on your schedule
Scheduled when it suits your week rather than ours, with the old arrangement kept available until the new one has settled. Plan the change for a quiet period, not a Friday night.
Switching is allowed to be the wrong answer
Sometimes the review says your current setup is fine and there is no reason to move. That is a real outcome and we will tell you plainly when we reach it. We would rather you stay where you are and trust what we told you than move and discover we were selling.
What we will not do is promise an outcome that belongs to somebody else. Approval, pricing and program availability rest with the provider and their underwriting, and any comparison worth acting on needs your complete statement in front of it.
Ready for the next step?
Turn this information into the right cash-register setup.
Use the Register Finder if you are still narrowing down equipment, or talk with a specialist about the register, programming, replacement equipment and accessories that fit your business.