U.S. Merchant Services

Merchant services built to help you save.

CMS serves businesses across the United States with three clear nationwide options: Flat Rate, Surcharge, and Cash Discount. Upload a statement or start fresh — compare side by side and see how much you could keep each month when every pricing check passes.

Three ways to save

Pick the option that keeps more in your pocket.

After you compare and save with a statement review, CMS shows Flat Rate (clear percent + fee), Surcharge (customers help cover eligible credit), and Cash Discount (cash/check get a posted break) side by side — so you can see how much you could keep each month.

Clear % + fee

Option 1 — Flat Rate

One clear Flat Rate for credit and debit — a percent plus a small per-transaction fee (card-not-present has its own rate when it applies). See what you pay today next to a CMS estimate built to help you keep more of every ticket.

  • Market-style % + ¢
  • Credit + debit same Flat Rate
  • Big savings when the math works
See how you save →

Customers help cover credit

Option 2 — Surcharge

Keep cash prices the same. Eligible credit adds 3% (where your state allows). Debit stays off surcharge — so many merchants cut what they pay out of pocket.

  • Shift credit cost to the card
  • Debit never surcharged
  • Often the biggest monthly savings
See how you save →