Option 1
Flat Rate
One clear blended rate for card sales — strong when guest experience stays simple.
Nevada Flat Rate →Nevada · Reno
Merchant services in Reno — Flat Rate, Surcharge & Cash Discount
CMS helps Reno and northern Nevada businesses — downtown dining, midtown retail, Tahoe-corridor hospitality, clinics, auto shops, and year-round local 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.
Northern Nevada, Tahoe corridor, tourism + local — same three programs
Reno payment mix can shift with ski weekends, summer lake traffic, conventions, and everyday Sparks-to-Reno local spending. Hospitality near the corridor often sees more credit on peak visitor days; neighborhood counters see more debit from regulars. CMS does not invent one rate for the whole Truckee Meadows — your review is built from a statement or from industry, volume, and how guests pay.
Tourism-facing operators usually care about clear guest messaging and staff who can explain the total without a long fee speech. Local SMBs — salons, medical offices, independent restaurants, and service shops — 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. Statewide guidance covers Reno, Sparks, Carson City, and the rest of Nevada with the same plain-language programs used in Las Vegas and Henderson.
Who this Reno page is for
Use this page if you run hospitality along the Tahoe corridor, a restaurant or bar that mixes visitors and locals, retail with weekend rushes, a clinic or professional office, or a northern Nevada SMB that wants Flat Rate, Surcharge, or Cash Discount without backend jargon.
Peak ski and summer 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. Prefer to talk first? Nevada merchants can call (725) 261-7060.
Choose a Reno 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 Reno 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.