Payment Processing
Most businesses overpay $300–$1,000/month without realizing it.
Square, Stripe, and Clover charge flat rates that eat 2.6–2.9% of every sale. Fibi places you with our processing partner at lower interchange-plus rates — or sets up a Cash Discount Program that drops your cost to zero. Free terminals for qualifying accounts. No long-term contracts.
No cost · No obligation · Results in 24 hours
Featured Program
Most businesses eliminate processing fees completely.
Customers paying by card see a small service fee at checkout. Cash customers pay the listed price. Your processing cost: zero.
Your listed price is the "cash price." Nothing changes for your cash customers — they pay what's on the tag.
When a card is presented, the terminal automatically adds a small non-cash service fee (typically 3–4%). It appears on the receipt and is disclosed with in-store signage — fully compliant with Visa/Mastercard rules.
The service fee covers the interchange and processor cost. Your net processing expense drops to zero. We handle the terminal configuration, signage kit, and compliance setup.
Who benefits most from Cash Discount?
Businesses where customers expect to pay (not comparison shopping on price) — restaurants, auto repair, salons, medical offices, and service businesses. Retail works too, especially when average ticket is under $50. We will tell you honestly if your customer mix makes CDP a poor fit.
Hardware
Free terminal placement for qualifying accounts. Choose based on your volume and workflow.
Compact countertop terminal with full EMV chip, magstripe, and NFC/tap-to-pay support. Simple one-piece design, no separate PIN pad.
Best for
Low-volume retail, service businesses, front-desk checkout under $5k/month.
Upgraded countertop with faster processor, larger display, and built-in WiFi. Handles higher transaction volume without slowdowns.
Best for
Retail and QSR businesses processing $5k–$30k/month who need reliable throughput.
Full-featured touchscreen terminal with separate customer-facing PIN pad. Built for busy checkout lines and tip-adjust workflows.
Best for
High-volume retail and restaurants processing $30k+/month. Ideal for busy counters with tip workflows.
Handheld wireless terminal with 4G + WiFi. Full receipt printer built in. Designed for tableside service, delivery, and pop-up retail.
Best for
Restaurants (tableside pay), food trucks, farmers markets, delivery drivers, and mobile service businesses.
Free terminal placement subject to processing volume qualification. Hardware remains fee-free while you process with our partner.
Why Fibi
We review your effective rate every year. If your volume has grown or better pricing is available, we renegotiate on your behalf — proactively, without you having to ask.
Month-to-month agreements. No early termination fees, no lock-in. If you ever want to leave, you can. We keep clients by being good, not by trapping them.
Funds from card transactions settle to your bank account the next business day. No waiting 2–3 days to access your money.
Qualifying accounts receive terminal hardware at no cost. No rental fees. The terminal is yours to keep while you process with our partner.
Switch & Save
Estimated monthly processing costs at different volumes (assumes avg. 100 transactions/month per $10k in volume).
We use interchange-plus pricing— you pay the true network rate plus a fixed markup, not a blended flat rate. That's why our numbers are lower.
$5k/mo volume
~$10–$45/mo
$120–$540/yr saved
vs. Square / Stripe standard rate
$20k/mo volume
~$20–$100/mo
$240–$1,200/yr saved
vs. Square / Stripe standard rate
$50k/mo volume
~$50–$300/mo
$600–$3,600/yr saved
vs. Square / Stripe standard rate
“Restaurant in North Hollywood saved $440/month switching from PayPal.”
~$18k/month volume. Switched to Cash Discount Program in 9 days. Terminal replaced at no cost.
Anonymous client · Based on actual outcome
*Estimates use published standard rates. Cash Discount saves full processing cost. Actual savings depend on card mix and transaction count. Based on avg. client outcomes.
Client Results
Anonymous case studies based on actual client outcomes.
Restaurant Group
5 locations · Los Angeles
“We had no idea Square was costing us that much across five locations. Cash Discount was a no-brainer.”
Terminal: VP800 · tip-adjust workflow
Timeline: Live in 14 days
Retail Boutique
1 location · North Hollywood
“The free terminal and lower rate made this an obvious switch. Onboarding was faster than I expected.”
Terminal: VP550 · free placement
Timeline: Live in 8 days
Medical Practice
3 locations · Southern California
“Next-day funding made a real difference for our cash flow. And the RCKT terminals work great for patient checkout.”
Terminal: RCKT · patient checkout
Funding: Next-day settlement
*Anonymous case studies. Client details generalized to protect privacy. Based on actual outcomes.
Industries
The Fibi Advantage
FAQ
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