Option 1
Flat Rate
Flat Rate keeps checkout simple for visitors and locals alike.
Nevada Flat Rate →Nevada · Reno
Merchant Services in Reno, NV — Flat Rate, Surcharge, Cash Discount & Clover
CMS Card Services provides merchant services to Reno, Nevada businesses: Flat Rate, Surcharge and Cash Discount card processing, Clover POS, and a free statement review, with support by phone at (725) 261-7060.
Already taking cards? Upload · Compare · Save. New business? Start with your industry and expected volume.
Last reviewed:
Doing business in Reno
Reno is the largest city in Washoe County and the hub of Northern Nevada, with hospitality and gaming downtown, the Riverwalk District along the Truckee River, independent shops and restaurants in Midtown, and businesses serving the University of Nevada, Reno.
Seasonality matters in Reno. Ski season, summer events and Lake Tahoe traffic bring visitors who often pay with credit cards, while quieter weeks lean on local regulars and debit. A comparison built from your real statement shows how each program performs across that mix, not just in your busiest month.
CMS Card Services serves Reno by phone and online from its Las Vegas office, with the same programs and review process statewide.
Who this Reno page is for
- Hospitality, bars and restaurants with seasonal visitor traffic
- Midtown and downtown retail and specialty shops
- Outdoor-recreation, rental and tour businesses
- Professional offices and service businesses near the university and across Washoe County
Clover POS in Reno
Hardware with your pricing program
Rental, tour and hospitality businesses often need mobile or handheld checkout. CMS Card Services can quote Clover devices with your pricing program.
CMS Card Services LLC is an ISO reseller of Fiserv and a CardConnect authorized reseller of all CardConnect products and services, including Clover.
Three programs for Reno merchants
The percentages differ on purpose so the programs are never the same offer with a new label.
Option 2
Surcharge
Surcharge can offset credit cost in visitor-heavy seasons. The CMS Surcharge is 3% on credit cards only, never debit or prepaid. In Nevada it must be clearly disclosed (posted at the entrance and point of sale and shown on the receipt) and stay within card-brand rules and Nevada law.
Nevada Surcharge →Option 3
Cash Discount
Cash Discount posts card-inclusive prices and rewards cash and check (about 3.5% off).
Nevada Cash Discount →CMS Card Services confirms your signage, receipt wording and state and card-brand requirements before anything goes live. This is general information, not legal advice. Rules can change; CMS Card Services confirms current requirements during enrollment.
Official sources
Not sure which fits? Read Surcharge vs Cash Discount vs Flat Rate or Is surcharging legal in Nevada?
Questions
Reno merchant services FAQ
Does CMS Card Services serve Reno businesses?
Yes. CMS Card Services works with Reno and Washoe County merchants by phone and online. Call (725) 261-7060 or start a statement review.
My Reno business is seasonal. Which program fits?
It depends on how your card mix changes through the year. A statement review compares Flat Rate, Surcharge and Cash Discount on your actual volume, so you can see how each one performs in busy and slow months.
Are surcharge rules different in Reno than in Las Vegas?
No. Surcharge guidance is statewide. The CMS Surcharge is 3% on credit cards only, never debit or prepaid. In Nevada it must be clearly disclosed (posted at the entrance and point of sale and shown on the receipt) and stay within card-brand rules and Nevada law.
Can I get Clover in Reno through CMS Card Services?
Yes. CMS Card Services LLC is an ISO reseller of Fiserv and a CardConnect authorized reseller of all CardConnect products and services, including Clover.
Does CMS Card Services charge for a statement review?
No. The statement review is free and there is no obligation. Estimates are confirmed before activation.
Next step for Reno merchants
Already processing? Open CMS Statement Review (Upload · Compare · Save). New to cards? Start at Get Started with Nevada prefilled. Learn how to read a processing statement.