One simple rate
Option 1 — Flat Rate
One easy rate for every card sale. See what you pay today next to a clear CMS estimate — built to help you keep more of every ticket.
- Easy to compare
- Credit + debit in one number
- Big savings when the math works
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.
Every CMS estimate is about savings. Choose Flat Rate for one simple number, Surcharge when customers can help cover eligible credit, or Cash Discount when cash and check get a posted break. Upload a statement or start fresh and see how much you could keep each month.
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
Reward cash & check
Option 3 — Cash Discount
Posted prices already include cards. Cash and check get 3.5% off (where allowed). A simple way to keep more when customers pay cash.
- Clear posted prices
- Cash/check save at the register
- Separate from surcharge