Reduces Credit Card Processing Fees 50–90%

Reduces credit card processing fees 50–90%.

The all-in-one merchant solution that cuts your credit card processing fees by 50–90%. In-store, online, and on the go — accept every card, every way, while our 100% compliant dual pricing program passes the cost to the cardholder, not you.

350+ Five Star Reviews

Dual Pricing Calculator

See what you'd keep.

Enter what you process in card sales each month and drag your rate. This is the money dual pricing puts back in your pocket.

$
3.50%
2.75%3.90%

Back per month

$3,500

stays in your business

Back per year

$42,000

money you were giving away

That's money you keep instead of handing to a processor.

Estimate based on the rate you select applied to your monthly card volume. Your exact savings depend on your card mix and ticket size.

Why Choose Us

Built for ModernBusinesses

Everything you need to take cards, cut fees, and run your shop — in-store and online.

Accept Any Card

Visa, Mastercard, Amex, and debit — accepted in-store and online.

Next-Day Funding

Get your money working the next business day — not locked in opaque settlement stories.

Dual Pricing

A compliant cash-discount model that offsets card fees — so you keep the full price on every sale.

Bank-grade Security

End-to-end encryption, tokenization, and advanced fraud detection systems.

Mobile Optimized

Seamless checkout on any device with Apple Pay, Google Pay, and more.

Compliance Ready

PCI DSS Level 1, SOC 2, GDPR compliant. We handle the paperwork.

How It Works

Get Started inFour Simple Steps

From statement review to live processing in a few simple steps — most merchants go live within a week.

01

Get Your Free Rate Review

Send us your current processing statements. We show you exactly what you're paying in card fees — line by line.

02

We Build Your Dual-Pricing Setup

We configure your terminal for compliant dual pricing — signage and receipt disclosures included.

03

Switch Your Hardware

We ship and program your free POS hardware, migrating your menu and inventory from your old system.

04

Go Live with Next-Day Funding

After a short training session, you're live — accepting cards with near-zero fees and next-day funding.

Get in Touch

Ready to TransformYour Payments?

Our team is here to help you find the perfect payment solution for your business. Get in touch and we'll respond within 24 hours.

Email us at

rsalese@paymentswithross.com

Call us at

609-667-9588

Visit us at

Philadelphia, PA

Payments with Ross

Zero-fee merchant processing and free POS for restaurants, bars, and retailers. Payments with Ross.

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© 2026 Payments with Ross. All rights reserved.

PCI DSS Compliant•SOC 2 Certified•GDPR Ready