Edge
Save up to 100% of your credit card processing fees with a rates edge program
How much did you spend on processing last year? Take control and put thousands back in your pocket.
The Edge allows you to put your money back into your business, where it belongs.
Saving payment processing fees is as easy as 1, 2, 3
The Edge is a more efficient way to process credit card transactions, giving you the power you need to protect your business from rising merchant processing rates. By implementing the Edge, you keep more of your credit card transactions, curbing those expensive processing costs that dig into your bottom line every month. The best part? It’s easy to make the switch. Talk to our Payment Experts to get started.
Step 1. Put up your discount notices and inform customers.
We provide signage to inform customers they have a choice of how to pay: one price for cash, one price for credit.
Step 2. Accept payments as usual.
Your customers choose to pay by cash, tap, or swipe. They can tip as usual and complete their purchase by credit card.
Step 3. Save money.
The POS device automatically calculates the charged amount based on the payment method, simplifying receipts for you
and your customers.
Frequently asked questions
What is the Edge program?
The Edge is an innovative new program that eliminates the never-ending cycle of rate negotiation once and for all, reducing the burden of processing costs without impacting your current sales volume.
The Edge is similar to the “gas station model”: if you pay with cash, you pay one price, and if you pay by credit card, you pay a different price. The credit card terminal handles all the calculations for you, and you end up with the same amount in your bank account on all sales.
The Edge is available for all credit card types and transactions, including mobile wallets such as Apple Pay and Android Pay. The Edge is a fully mobile payment solution compatible with wireless terminals and POS systems.
Is the Edge a cash discount program?
The Edge is not a surcharge or a cash discount program; it’s a price increase at the item level. But instead of applying this to all your customers, you only need to apply it to those who choose to pay by credit card.
The Edge is automatic and transparent. We provide you with clear signage indicating that all items have two prices and that customers have the option to pay with cash and save. What’s more, there are no PCI compliance fees when using our free Payanywhere smart equipment.
The same flat rate is applied to every transaction, and the terminal automatically adjusts the price. Just as the platform calculates the item price, it also calculates the sales/revenue increase and simultaneously collects the sales tax increase.
The Edge was built to support merchants in all 50 states and encourages them to follow the commerce and pricing laws in their specific state.
How much money could I save?
Business owners can save up to 100% of the money they usually spend on processing. Unlike similar strategies, there are not equipment rentals or leasing costs.
What about my customers?
The Edge is a win-win because it lets your customers choose how they want to pay. With the Edge, if they choose to pay with cash, they receive lower pricing than someone who pays by credit card.
That said, you’re in total control. You always have the option to turn it on and off at your discretion. You can even split the processing costs with your customers. The choice remains with you, the merchant.
Does the Edge program comply with credit card brands’ rules about surcharging?
Yes, it does. The Edge program does not apply a surcharge to the customer. It is a dual pricing model that complies with every credit card brand’s rules.
Let’s compare the Edge to traditional payment processing
Your customer brings a $10 item to your payment counter and wants to pay with credit. With the “Traditional” credit card transaction, you, the merchant, will pay 1.5% – 3.99% in processing fees to the credit card company. This means you will probably only make around $9.60.
With the Edge, on credit card transactions, a 4% customer fee is charged to the customer per item and clearly added to the receipt. That means the fee was passed on to the customer, and you receive the full $10.
Your posted signage explains the program to your customers, and they have the freedom to choose whether they pay with cash or credit. If they choose to pay with cash next time, they will only pay $10. Either way, you still make $10.
Whether your customer pays by cash or credit card, with the Edge program, your revenue will always be $10.
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Not sure which option is best for you?
Our savings calculator shows how much you can save, based on your unique situation.
Rate Sekurity Guarantee®
"The Rate Sekurity Guarantee® meant I wasn't getting taken advantage of anymore. I was getting the lowest rate for what’s best for my business. I never have to worry about hidden fees again.”
Laura Hamilton,
Owner of Laura's flower shop
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