It's deducted before you see it
The fee never hits your books as a bill you approve. It's netted out of your deposit, which is exactly why it goes unchallenged for years.
PAYMENT SOLUTIONS for U.S. businesses
Pass the card fee. Keep the 2–4%.
Card processing fees quietly take a cut of every sale before you ever see it. Our Cash Discount program is designed to offset that cost — potentially bringing your processing cost to zero, with a smooth customer experience.
We work with retail stores, restaurants, medical offices, salons, and service businesses across Texas. If you process more than $10,000 a month in card payments, you likely qualify for the zero-cost program.
- Full compliance review
- Secure & confidential
Monthly savings
$2,450+
01
Expert Guidance
No guesswork. We break down your statement line by line and show you the real cost — even when the honest answer is "you're fine."
02
Smarter Payments
A program built around your state, your industry, and your average ticket. Not a template, and not the same pitch every business on the block already heard.
03
Better Results
Processing cost off your P&L, terms you can leave at any time, and a number at 30 and 60 days that proves it worked.
The problem
Processing fees are the one expense nobody negotiates.
You shop your insurance. You shop your suppliers. Meanwhile per-transaction fees, compliance fees, and other processing charges quietly add up — hitting your profits, your bottom line, and your overall cost of doing business.
It grows as you grow
Rent is fixed. Processing isn't. Every good month, every price increase, every new location makes the fee bigger — permanently.
It compounds against you
$1,400 a month isn't $1,400. Over five years it's $84,000 — a hire you didn't make, equipment you didn't buy, a location you didn't open.
Your statement is designed to confuse
Tiered pricing, downgrades, padded assessments. Most owners can't state their true effective rate — and that's not an accident.
Savings calculator
See what card fees are really costing you.
Drag the sliders. No email required, nothing submitted — this runs entirely in your browser.
Card volume only — leave out cash and checks.
Total fees ÷ total card sales on your last statement. Most businesses land between 2.7% and 3.6%.
Not sure of your rate? Send us one statement and we'll calculate it exactly — free, no obligation.
You're currently paying
Get my free savings review
Download the ROI one-pager (PDF)
$14,400
per year in card processing
Per month$1,200
Over 5 years$72,000
Estimate only, based on the figures you entered. Your actual savings depend on your card mix, ticket size, program type, and state. We'll confirm the real number from your statement before you commit to anything.
What's included
Everything, built for zero.
There's no setup fee, no terminal fee, and no cancellation fee for standard program equipment. The program is designed to pay for itself out of the fees it removes.
Built for zero-cost acceptance
Visa, Mastercard, Amex and Discover, with a program built to bring your effective processing cost to zero.
Fast, preconfigured shipping
Your terminal ships preprogrammed and ready to go — plug it in, take a test sale, you're live. Where compatible, we can integrate with your existing POS instead.
Compliance done for you
Register the program, produce the required signage, configure receipt-level disclosures, and keep you current as rules change.
Month-to-month terms
No 36-month lease, no early termination penalty. If it doesn't work for your business, you leave.
Fast funding
Batch tonight, funded as soon as the next business day in most cases. Weekend, holiday, and bank processing times can affect timing.
A support line that answers
Texas-based, and you get a named contact rather than a ticket queue. Mon–Fri, 9am–6pm CT.
A good fit if you…
- Run a Texas business with a physical location
- Process $10,000+ per month in card volume
- Operate in retail, food service, professional services, medical, or auto
- Are willing to post the required customer-facing signage
Not a fit if you…
- Fall into a high-risk category (adult, firearms, CBD, gaming, debt relief)
- Operate where surcharging is restricted — we'll tell you straight and suggest an alternative
- Process card-not-present transactions exclusively, with an average ticket under $10
- Want us to hide the program from your customers — we won't do that
How it works
Four steps. Typically under a week.
Most of the work is ours. Your total time investment is roughly twenty minutes.
-
01
Send one statement
A single recent processing statement is all we need. We read it line by line and hand back your true effective rate — usually higher than owners expect.
10 minutes -
02
We design the program
Cash discount or surcharge, chosen for your state, your industry, and your average ticket. You see the exact customer-facing wording before anything is approved.
1–2 days -
03
Terminal and signage arrive
Preconfigured hardware plus a compliance kit: door decal, counter card, and receipt language already loaded. We walk your staff through it on a short call.
2–3 days -
04
Your fees stop
From the first transaction forward, processing cost is off your P&L. We check in at 30 and 60 days with the numbers to prove it.
Day one
Side by side
What actually changes.
| Traditional processing | U.S. Payment Solutions | |
|---|---|---|
| Cost to accept a card | 2–4% of every sale | $0 |
| Contract length | 36-month lease, typical | Month-to-month |
| Early termination fee | $295–$795 | None |
| Terminal | Leased, often $40–$90/mo | Included |
| Rate increases | Passed through, often unannounced | Nothing to increase |
| Compliance signage | Your problem | Provided and maintained |
| Statement clarity | Tiered, bundled, hard to audit | One line, one number |
| Support | Ticket queue | Named Texas contact |
Services
One partner for how you actually take payments.
Every business runs card payments differently. We match the processor, hardware, and pricing model to how yours actually works.
Customized Payment Solutions
We design tailored systems to fit your unique business needs. Whether you run a retail shop, restaurant, or service-based company, we align the right processor, technology, and pricing structure to help you operate efficiently and save money.
Equipment Upgrades & Integration
Outdated terminals? No problem. We provide the latest EMV-compliant equipment and seamless POS integrations — from countertop and wireless terminals to mobile solutions — to keep your transactions running smoothly and securely.
Cash Discount & Dual Pricing Programs
Save on fees while rewarding cash customers. Our transparent cash discount and dual pricing programs help you legally offset processing costs, improve margins, and keep more of your hard-earned revenue.
Traditional Payment Processing
Reliable, straightforward payment processing for all major credit and debit cards. Backed by multiple processor partnerships, we ensure competitive rates, consistent uptime, and dependable support you can trust.
Hardware & technology
Customized Solutions
Different businesses take payments in different ways. Here's the hardware and technology behind each one, and where it fits.
Countertop Terminals
A countertop terminal is a device that businesses use to take credit and debit card payments at the checkout. It stays in one spot on a counter, connects to the payment system using Wi-Fi or an Ethernet cable, and needs to stay plugged into a power outlet to work.
Wireless Terminals
A wireless terminal is a portable device that lets businesses take credit and debit card payments without being plugged into a power outlet or internet cable. It connects using Wi-Fi or mobile data, so you can use it anywhere, like at a table or on the go.
POS (Point-of-Sale) Systems
A point of sale (POS) system is like a smart cash register that helps businesses take payments and manage their sales. It's usually a touchscreen device or computer where the cashier can ring up what you're buying, and you can pay with cash, credit, or debit cards. A POS system can also track inventory, print receipts, and even help manage things like discounts or customer rewards.
Gateways
A payment gateway is used when businesses need to securely process online, mobile, or card-not-present transactions by transmitting payment information between the customer, business, and payment processor.
Legality & compliance
This only works if it's done correctly.
Passing card costs to customers is legal in most of the country — but only inside a specific set of rules. Programs fail audits when those rules are treated as optional. Ours aren't.
Card brand rules
Program registration where required, correct caps, and surcharges applied only to credit — never to debit or prepaid.
Disclosure at every step
Entrance signage, point-of-sale signage, and a separate line item on the receipt. Nothing about the program is hidden from the customer.
Texas first, then everywhere else
Texas is where we work every day, so we know the rules that apply here cold. If you operate across state lines we check each jurisdiction separately.
PCI-validated processing
Point-to-point encryption and tokenization on every terminal we ship, with PCI attestation support included.
Straight answer on the exceptions: surcharging is restricted or prohibited in a small number of states, and some card brand rules apply differently to debit. If your business touches one of those jurisdictions we will tell you during the free review rather than after you've signed — and in most cases a compliant cash discount program still gets you most of the way there. U.S. Payment Solutions is not a bank, a payment processor, or a law firm, and nothing here is legal advice.
Our processing partner
Backed by PayBotX.
U.S. Payment Solutions works with PayBotX, our ISO and payment processing partner, to provide businesses with payment processing solutions, equipment, onboarding, and ongoing support — a team that's loyal to your business from start to finish.
Rob Gross founded U.S. Payment Solutions after 25+ years as a business consultant specializing in enterprise unified communications. PayBotX sales certified, he runs the company with his wife and business partner, whose background is in banking. Their focus: operating as an extended partner to your business, not a vendor — helping it run more efficiently and profitably.
FAQ
The questions owners actually ask.
In most states, yes — and Texas is one of the more workable ones. Surcharging credit card transactions is permitted nationally under card brand rules, with a small number of states restricting or prohibiting it. Cash discounting — advertising a cash price and adding a non-cash adjustment — is broadly available and is the structure we default to when surcharging isn't clean. We confirm your specific situation during the free review, before you commit to anything.
This is the real question, and we won't pretend it's nothing. What we see is that reaction depends almost entirely on presentation. Clear signage at the door and the register, a plain line item on the receipt, and staff given one sentence to say — that combination reduces it to a non-event for the large majority of businesses. Gas stations, government offices, and utilities have run this model for years. We'll also tell you honestly if we think your customer base is a poor fit.
It depends on your hardware — compatibility varies by processor and device. We integrate with most major POS platforms where possible. Some devices, including many Clover terminals, are tied to a specific processor and can't be reprogrammed for our program; in that case, we ship a preconfigured replacement at no cost. Either way you aren't buying hardware.
No. Month-to-month, no early termination fee, and you own nothing you'd have to buy out. If it isn't working, you return the terminal and you're done.
Fair question, and it deserves a direct answer. The cost of accepting the card is passed to the transaction rather than absorbed by your business, and we're compensated out of that. That's the whole model. It means your processing expense goes to zero — not that the cost stops existing. Any company that tells you otherwise is selling you something.
Surcharges may not be applied to debit or prepaid cards — that's a hard rule, and our terminals enforce it automatically at the point of sale. Cash discount programs treat card types differently, and we'll walk you through exactly how yours is configured.
Typically under a week from application to your first fee-free transaction. Underwriting is the longest step and it usually runs one to two business days.
If the program isn't right for your business, you can cancel — the exact terms are laid out in your program agreement, and we'll help you move back cleanly.
Free savings review
Send one statement. Get your real number.
We'll tell you your true effective rate, exactly what a compliant program would save you, and whether we think you're a good fit — including when the answer is no.
- No cost and no obligation
- A response within one business day
- Your statement is never shared or sold