Option 1
Flat Rate
One clear blended rate for card sales — strong when guest experience stays simple.
Nevada Flat Rate →Nevada · Henderson
Merchant services in Henderson — Flat Rate, Surcharge & Cash Discount
CMS helps Henderson businesses — neighborhood restaurants, medical and dental offices, salons, auto shops, retail along Green Valley and Anthem, and suburban service companies — compare Flat Rate, Surcharge, and Cash Discount in plain language. See estimated monthly impact, then Upload · Compare · Save when you already take cards.
Residential and suburban local business — same three programs
Henderson payment mix often looks more local than Strip tourism. Weekday lunch rushes, after-school retail, clinic appointments, and weekend neighborhood dining drive a steady blend of debit and credit. CMS does not invent one rate for every Henderson ZIP — your review is built from a statement or from industry, volume, and how customers pay.
Suburban SMBs care about a predictable monthly number and staff who can explain the total without a long fee speech. Home-service contractors, boutique retail, family restaurants, and professional offices usually want clear posted prices and honest disclosures — not backend jargon. Both everyday and growth-oriented Henderson operators use the same three customer programs: Flat Rate, Surcharge, and Cash Discount.
Flat Rate gives one blended number for card sales when you want the register experience to stay familiar. Surcharge keeps cash prices the same; eligible credit may include up to 3% where allowed — debit and prepaid are never surcharged. Cash Discount posts card-inclusive prices and gives cash and check about 3.5% off. The percentages differ on purpose so programs are never the same offer with a new label.
CMS confirms your Nevada operating location and how prices are shown before anything goes live. Local guidance is strongest across the Las Vegas Valley — including Henderson — with statewide pages covering Reno and the rest of Nevada using the same plain-language programs.
Who this Henderson page is for
Use this page if you run a neighborhood restaurant or cafe, a medical or wellness practice, retail with local regulars, a salon or spa, an auto or home-service shop, or any Henderson SMB that wants Nevada-ready Flat Rate, Surcharge, or Cash Discount without backend jargon.
School-year weeks and holiday shopping can shift how often guests tap credit versus debit. Quiet midweeks often bring more neighborhood debit. That mix is exactly why CMS compares three programs instead of locking you into one headline rate. If Flat Rate keeps the guest path calm, your review shows it. If Surcharge (eligible credit up to 3%, never debit or prepaid) or Cash Discount (about 3.5% off card-inclusive posted prices) keeps more, the estimate says so in dollars you can understand.
You stay on CMS pages for the next steps: Statement Review for existing processors (Upload · Compare · Save), or Get Started with Nevada prefilled for a new-business path. CMS confirms how prices are shown before anything goes live. Prefer to talk first? Nevada merchants can call (725) 261-7060.
Choose a Henderson program guide
Start with the Nevada hub comparison, then open the program that fits how you want prices to feel.
Option 2
Surcharge
Eligible credit up to 3%; debit and prepaid never surcharged; clear disclosures.
Nevada Surcharge →Option 3
Cash Discount
Card-inclusive posted prices; cash/check ~3.5% off — not a surcharge.
Nevada Cash Discount →Full side-by-side: Which fits? on the Nevada merchant services hub.
Next step for Henderson merchants
Already processing? Open CMS Statement Review — Upload · Compare · Save — then continue with Nevada prefilled. New to cards or ready to enroll? Start at Get Started with state=NV so your review opens in the right place.
CMS confirms your Nevada setup and how prices are shown before anything goes live. Debit and prepaid are never surcharged. Programs use different percentages so Flat Rate, Surcharge, and Cash Discount stay distinct.