Payment Processing Advisory
Statement reviews completed within 24 hours — at no charge.
No cost · No obligation · Results in 24 hours
Compatible with
Featured Program
Many qualified businesses can significantly reduce or offset processing fees when implemented compliantly.
Customers paying by card see a small service fee at checkout. Cash customers pay the listed price. Your effective processing cost: reduced or near-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 offsets interchange and processor cost. For qualifying businesses implemented compliantly, net processing expense can drop substantially. We handle 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.
Traditional countertop payment terminals for fixed-location checkout.
Portable Android POS with 5" touchscreen, built-in thermal printer, and full EMV/NFC support. Pay-at-table and signature capture built in. 4G, WiFi, and Bluetooth connectivity.
Best for
Restaurants (pay-at-table), mobile service businesses, and any counter needing a handheld Android POS with receipt printing.
Eco-friendly Android 12 POS with 5" touchscreen, 5G/4G connectivity, and 3600mAh battery. Supports Cash Discounting, Dual Pricing, and Surcharging out of the box.
Best for
Retail and service businesses wanting a modern eco-friendly Android POS with flexible pricing program support.
A full POS system in a handheld form factor. 5.99" touchscreen, EMV + NFC, 4G + WiFi, light inventory management, and real-time reporting — optimized for fast checkouts with minimal clutter.
Best for
Businesses wanting a full POS experience in a compact handheld — retail, restaurants, and service counters.
Android-based smart terminal with 5.5" HD touchscreen, EMV and NFC contactless built-in, remote key injection, and surcharge capability. Quad-core processor with WiFi and Ethernet.
Best for
Businesses wanting a smart countertop terminal with app flexibility — retail, dining, and service industries.
Countertop terminals with EMV and NFC built-in, dual-comm (Ethernet + WiFi), and support for Apple Pay, Samsung Pay, and Google Wallet. Easy-access Favorites menu and one-touch support callback.
Best for
Every business needing a reliable countertop terminal with contactless payments and a simple, intuitive interface.
All-in-one countertop terminal with EMV, magstripe, and NFC acceptance. Intuitive touchscreen display, SSL encryption, and quick drop-in paper loading. Upgraded to PCI 5.0.
Best for
Businesses needing a reliable, high-performance countertop terminal for fast, secure transactions.
Countertop POS with 3.5" color touchscreen, signature capture, and full connectivity. Triple-track bi-directional magstripe reader with EMV and NFC support.
Best for
Service businesses and retail needing a compact countertop solution with signature capture.
Free terminal placement subject to processing volume qualification. Hardware remains fee-free while you process with our partner.
Not Sure Which Terminal?
Restaurant, retail, mobile, or high-volume — every business has different needs. We match you with the best terminal for your workflow and processing volume at no cost.
Countertop
VP500 / VP550 / FD150
Low to mid volume, fixed checkout
Smart POS
Clover Mini / Station
Full POS with apps & inventory
Mobile
Clover Flex / Poynt 5
Tableside, delivery, on-the-go
Why Businesses Switch to Fibi
Qualifying accounts get a terminal at no cost — no rental, no lease. You keep the hardware while you process with our partner.
We configure your terminal for a compliant Cash Discount Program. Card customers see a small service fee. When implemented compliantly, your effective processing cost can drop substantially or to near-zero.
We check your effective rate every year. If your volume has grown or better pricing exists, we renegotiate on your behalf — without you asking.
No early termination fees. No multi-year contracts. We keep clients by delivering results, not by trapping them in an agreement.
No cost · No obligation · Results in 24 hours
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.
Competitor rates sourced from squareup.com/pricing, stripe.com/pricing, paypal.com/us/business/paypal-business-fees (published standard pricing as of April 2026). Actual rates may vary. †Cash Discount effective rate depends on program eligibility, compliance requirements, state law, card network rules, and business type. Results vary.
$5k/mo volume
~$20–$25/mo
$240–$300/yr saved
vs. Square / Stripe standard rate
$20k/mo volume
~$80–$100/mo
$960–$1,200/yr saved
vs. Square / Stripe standard rate
$50k/mo volume
~$200–$225/mo
$2,400–$2,700/yr saved
vs. Square / Stripe standard rate
“Switched from PayPal to Cash Discount Program in under two weeks — processing cost reduced substantially.”
Example scenario · ~$18k/month volume · Terminal replaced at no cost for qualifying account.
Illustrative example · Individual results vary
*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.
Example Scenarios
Illustrative scenarios based on program capabilities. Individual results depend on card mix, volume, and compliance requirements.
Restaurant Group
5 locations · Example scenario
“We had no idea Square was costing us that much across five locations. Cash Discount was a no-brainer.”
Terminal: VP550E · tip-adjust workflow
Timeline: Typically live in ~14 days
Retail Boutique
1 location · Example scenario
“The free terminal and lower rate made this an obvious switch. Onboarding was faster than I expected.”
Terminal: VP550E · free placement
Timeline: Typically live in ~8 days
Medical Practice
3 locations · Example scenario
“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
*Example scenarios only. Savings vary by card mix, average ticket, transaction type, and program eligibility. Not a guarantee of outcome.
Industries
The Fibi Advantage
How It Works
Most businesses are live within 1–3 weeks. Here's what the process looks like end-to-end.
Statement review
Share your current processor statement. We identify your effective rate, card mix, transaction volume, and any fees that can be reduced or eliminated.
Pricing comparison
We model what interchange-plus, Cash Discount, or a compliant surcharge program would cost at your actual volume — before you commit to anything.
Application & underwriting
We submit your merchant application. Typical approval: 3–7 business days depending on business type and volume.
Terminal or gateway setup
Hardware ships within 2–3 business days of approval. Where your existing terminal is compatible, we reprogram rather than replace.
Test transactions
We run test transactions and verify settlement, signage, and receipt disclosure before you go live — especially important for Cash Discount programs.
Go-live
You process live. Next-day funding begins from day one. We check in after the first statement to confirm everything looks correct.
Transparency
We believe you should know how the economics work before making any decision.
Paid by providers, not you
Fibi may receive compensation from payment processors or hardware partners if you proceed through us. This is how advisory models like ours work — no cost is passed to you.
No direct advisory fee
We do not charge a consulting or advisory fee for payment processing advisory services unless one is separately agreed to in writing before engagement.
Recommendations based on fit
Our recommendations are based on pricing, hardware compatibility, compliance requirements, and support quality — not on which provider compensates us most.
Full Hardware Advisory
Beyond the terminal lineup — detailed advisory on each hardware ecosystem, industry-specific recommendations, and comparison guides.
By Brand
By Industry & Use Case
FAQ
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