POS systems, card processing, cash discount, ATMs, and working capital for small businesses. Every price is written down, every fee is on the statement, and a person answers the phone. Usually one of the owners.
A real-world restaurant doing about $125,000 a month in card sales. Left is what most processors send. Right is the same month on our compliant cash discount program.
Everything works on its own or as one system. We would rather you buy one thing that fits than three that do not.
Clover, SkyTab, SpotOn, Tabit, Aloha, Micros, Aldelo and more. We tell you which one fits, we set it up, and the processing underneath is priced on one page.
Browse POS systemsInterchange plus a stated margin, or cash discount. The fee you see is the fee you pay, and it is on the statement every month.
Compare pricing models Cash discountLegally pass the card cost to the customer who chooses to pay by card. Most merchants keep 3 to 4 percent of every credit sale.
How it works Working capitalAn advance on future card sales. No collateral, no personal guarantee, terms in writing before you accept, funded in days.
See what you qualify for ATM programsBuy a machine through us, load it yourself, and keep every dollar of surcharge. Or pick a service tier and we handle cash and placement.
Explore ATM programs Hard to placeSmoke and vape, CBD, firearms, nutraceuticals, and other industries most banks turn down. Discreet underwriting, named contacts.
Tell us about your business Recurring billingBilling infrastructure that does not drop charges, with a card updater built in so expired cards do not become lost customers.
Set up billing Gift and loyaltyBranded gift cards and a loyalty engine that integrates with your POS. Sold at the register, tracked in the back office.
Get startedMost processing quotes are one flat number. Inside that number is the card brand cost, which is the same for everyone, and the processor's markup, which is whatever they decided you would not notice. We split them apart and show you both.
One rate, every card. Sounds simple. The markup inside it is not shown anywhere, so it rarely gets questioned, and it tends to creep up after the first 90 days.
A typical bundled rate. On a $125,000 month, the markup buried in there is often more than a thousand dollars.
Interchange plus a stated margin, written down. Or a compliant cash discount program where the card cost moves to the card-paying customer and your fees go to zero.
Example margin. Your quote states yours exactly, and your statement shows both numbers every month.
If a quote does not separate the card cost from the markup, ask for it in two numbers. If they cannot give you two numbers, that is your answer.
Interchange-plus disclosed on paper before you sign. The fees you see are the fees you pay. No surprises after 90 days, no rate creep, no long-term contract to hold you there.
See a sample quoteTerminal down on a Friday night? We do not wait until Monday. Named reps, on-site install, and a number that reaches someone who knows your account.
Talk to a repSame or next-day deposits to your bank account on settled transactions. Cash flow that moves at the speed of the business, not the speed of the processor.
Switch processorsWe carry several POS systems and more than one pricing model because no single one is right for every room. If what you have is already good, we will tell you.
Read how we thinkThe two founders spent over a decade building a previous merchant services company together before starting Payment Gurus in 2019. They had seen how the industry treats most merchants. They started over to build something more honest.
Submit a ticket, sign in to your portal, or call during business hours. We respond within one business day.
Send us your most recent processing statement. We will show you exactly what you would save, line by line, usually within one business day. If the answer is that you are fine where you are, we will say that too.