Option 1
Flat Rate
One clear blended rate for card sales — strong when guest experience stays simple.
Nevada Flat Rate →Nevada · Las Vegas
Merchant services in Las Vegas — Flat Rate, Surcharge & Cash Discount
CMS helps Las Vegas businesses — from Strip and hospitality operators to neighborhood restaurants, retail, clinics, and local service shops — compare Flat Rate, Surcharge, and Cash Discount in plain language. See estimated monthly impact, then Upload · Compare · Save when you already take cards.
Strip hospitality and local SMB — same three programs
Las Vegas payment mix can shift with conventions, weekends, and tourist seasons. Hospitality desks, dining rooms, and retail counters often see more credit on peak nights and more debit on everyday local traffic. CMS does not invent one rate for the whole valley — your review is built from a statement or from industry, volume, and how guests pay.
Strip and resort-adjacent operators usually care about clear guest messaging and staff who can explain the total without a long fee speech. Neighborhood SMBs in Las Vegas — salons, auto shops, medical offices, and independent restaurants — often care about a predictable monthly number and honest disclosures. Both paths 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 for Las Vegas and nearby Henderson; statewide pages cover Reno and the rest of Nevada with the same plain-language programs.
Who this Las Vegas page is for
Use this page if you run hospitality near the Strip, a restaurant or bar that mixes tourist and local guests, retail with weekend rushes, or a local SMB that wants Nevada-ready Flat Rate, Surcharge, or Cash Discount without backend jargon.
Peak convention weeks can push more credit through the door. Quiet midweeks often bring more debit from neighborhood regulars. 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 — no surprise phone numbers on this page, and no telephone in structured data here.
Choose a Las Vegas 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 Las Vegas 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.
Las Vegas · Quick links
Stay on CMS pages
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.