Merchant Processing
Understand payment processing before you compare options.
Short guides for business owners who want the big picture before they upload a statement. Start with Flat Rate, Surcharge, and Cash Discount — then open security or chargebacks when those topics matter for your shop.
See My Savings →Topics that affect your real cost
Each card opens a focused page. No hardware upsell up front — pricing comparison first.
CMS Flat Rate
One clear blended rate for card sales — easy to compare against what you pay today.
CMS Surcharge Program
Eligible credit can help cover processing cost where allowed. Debit is never surcharged.
CMS Cash Discount Program
Posted prices include cards; cash and check get a clear discount.
CMS Statement Review
Upload a statement to compare what you pay today with CMS options.
Security & PCI
Annual PCI validation, payment-security tips, and privacy in one hub.
Chargebacks
Prevention steps, documentation, and why response deadlines matter.