REWARD-FOCUSED SMALL BUSINESS SERVICES PLATFORM
Lower your costs. Access capital. Build a system that grows your business.
A membership that earns rewards on payments, financing, and marketing activity. Turning everyday business operations into ongoing value.
Trusted by small businesses nationwide
4.5/5
THE AFFINITY APPROACH
Save. Expand. Scale.
Three solutions. One membership. Built around how small businesses actually operate.
- Stop overpaying to accept payments. Most small businesses lose hundreds every month to fees buried in statements they can’t read
- Eliminate fees entirely with a compliant cash discount or dual pricing program
- Lower them significantly with transparent interchange-plus pricing and no hidden markups
- Accept payments in-person, online, or mobile and earn member rewards on every transaction
SAVE | PAYMENT SOLUTIONS
Affinity members save an average of $1,500/month on processing fees. Most see a lower effective rate within their first billing cycle.
- Growth stalls when the right capital isn’t available at the right time. Traditional lenders move slowly and often overlook small businesses entirely
- Access working capital for operations and expansion
- Finance equipment without draining cash reserves
- Unlock cash tied up in outstanding receivables with invoice factoring
Fast approvals, minimal paperwork. Most members access capital within days, not weeks.
EXPAND | FINANCING SOLUTIONS
- Most small businesses are running disconnected tactics with no strategy and none of them are showing up where buyers are increasingly searching
- Email and SMS automation that drives measurable repeat revenue
- Local SEO and AI visibility across Google, ChatGPT, and Google AI Overviews
- One unified strategy with clear ROI reporting
Over 50% of buyer queries now start on AI platforms. Most small businesses are invisible. SCALE fixes that.
SCALE | MARKETING SOLUTIONS
HOW IT WORKS
Three simple steps to get started
1
Become a Member
We learn about your business, review your current setup, and enroll you as a member. No long-term contracts. No one-size-fits-all pitch. Just solutions built around how your business actually operates.
2
Save, Expand & Scale
Lower your processing costs, access capital when you need it, and build a marketing presence that compounds over time. Every solution works together and every activity earns rewards back to your business.
3
Unlock Rewards
Turn everyday payments, financing, and marketing activity into rewards reinvested back into your business. Members also gain exclusive access to the Member Channel — a private B2B network connecting you with the vendors, partners, and resources your business needs to grow
REAL BUSINESSES. REAL RESULTS.
What small business owners say about Affinity
What a wonderful experience we’ve had working with Affinity and Marli! We first switched one of our company’s current credit card processors with them and started another, new business with them right out of the gate. We have several different businesses so have dealt with several other credit card processors in the past. We’ve never had a smoother transition or better customer service than we have had with Affinity!
Kayla H.
Franchise Operator
Affinity cut our processing costs, and their POS, reporting, and support are rock solid. The rewards alone made switching a no-brainer.
Chris K.
Restaurant Operator
COMMON QUESTIONS
What small business owners ask most
Cash discount is the term most small businesses know, and it describes exactly what the program delivers: a way to accept credit cards without absorbing the processing fees. The way it works in practice is through dual pricing, which is the compliant structure under current card brand rules. Two prices are displayed at checkout, a cash price and a card price. Customers who pay with cash get the lower price. Customers who pay by card pay the price that accounts for the cost of processing. The result is that your monthly processing fees drop to near zero.
Small businesses can access fast funding through alternative lenders that specialize in working capital, equipment financing, and invoice factoring, typically with faster approvals and fewer requirements than traditional bank loans. Affinity members apply online with basic business details and recent bank statements. Pre-qualification has no impact on your credit score and most decisions are returned quickly without the heavy paperwork traditional lenders require.
The most effective marketing for small businesses combines owned channels including email automation, SMS campaigns, and a strong local SEO and AI search visibility presence with a consistent strategy tying them together. Email automation drives repeat purchases from existing customers. SMS campaigns reach customers directly with high open rates. Local SEO and AI search visibility ensures your business appears when nearby customers are actively searching for what you offer including on AI platforms like ChatGPT and Google AI Overviews. The businesses that grow consistently use all three in coordination, not as disconnected tactics.
Most businesses searching for a cash discount program are looking for the same thing: a way to stop absorbing credit card processing fees. Cash discount is simply the term most people know. Dual pricing is how that program is correctly and compliantly structured under current card brand rules. Rather than advertising a single price and applying a discount at checkout, dual pricing displays both a cash price and a card price side by side so customers see exactly what they’re paying and why. Same outcome your processing fees are effectively eliminated. The difference is that dual pricing is the version that meets Visa and Mastercard compliance standards. Affinity helps businesses set up the program correctly from day one, so there are no surprises down the road.
Affinity Member Services is a reward-focused business services platform for small businesses. Members get access to payment processing solutions that lower or eliminate credit card fees, flexible financing options including working capital, equipment financing, and invoice factoring, and a unified marketing program covering email automation, SMS campaigns, and local SEO and AI search visibility. Every solution is connected through a membership that earns rewards on payments, financing, and marketing activity. Turning everyday business operations into ongoing value.
MEMBERSHIP THAT WORKS
One membership. Three solutions. Built to grow with your business.
Affinity members get access to payment solutions that lower costs, flexible financing that moves when you need it, and a marketing strategy built for where customers are actually searching. Every solution works together. Rewards built into every solution, every transaction, every month.
- Exclusive member pricing and rewards
- Payments, financing and marketing under one roof
- Dedicated support from business specialists