mERCHANT SERVICES - PAYMENT PROCESSING - MEMBER REWARDS
Small business merchant services & payment processing built to Save
Lower or eliminate your credit card processing fees with a compliant cash discount, dual pricing, or transparent interchange-plus program. Accept payments in-person, online, and mobile, and earn member rewards on every transaction. Get a free merchant statement review.
PAYMENT SOLUTIONS BY INDUSTRY
Payment processing built for your type of business
Every industry has different hardware, software, and workflow needs. Choose your business type below to see the payment solutions, POS systems, and pricing models built specifically for how you operate.
RESTAURANT
Quick Service
Full Service
Bars & Nightlife
RETAIL
Clothing & Apparel
Liquor Stores
Convenience & Grocery
Nail Salons
Automotive Services
Home & Hardware
SPECIALTY
Beauty Salons
Healthcare & Medical
CBD & High-Risk
Contracts & Services
WHAT YOU'RE PROBABLY PAYING TOO MUCH FOR
Are hidden credit card processing fees costing your business?
Most small businesses overpay for credit card processing without realizing it. Processor markups, junk fees, and confusing merchant statements make it nearly impossible to know your true effective rate.
The good news: there are two ways to fix it. Eliminate fees entirely with a compliant cash discount or dual pricing program, or lower them significantly with transparent interchange-plus pricing that shows you exactly what you’re paying and why, with no hidden markups.
Not sure what you’re paying now? Our Free Merchant Statement Review breaks down every fee on your current statement and shows you a side-by-side comparison. Most businesses discover they can lower or eliminate their processing fees entirely.
REWARDS-FOCUSED MERCHANT SERVICES
Lower your processing fees and earn rewards on every transaction
Every time your business accepts a payment, you should be getting something back. Affinity members can eliminate credit card processing fees entirely with a compliant cash discount or dual pricing program, or lower them significantly with transparent interchange-plus pricing that removes hidden markups for good. No flat-rate guesswork. No junk fees. Just lower costs, zero fees if you want them, and rewards that accumulate on every transaction you process.
Lower Your Credit Card Processing Fees
Eliminate fees entirely with a compliant cash discount or dual pricing program, or lower them significantly with transparent interchange-plus pricing and no hidden markups. Most members reduce their effective processing rate within the first billing cycle.
Read Your Merchant Statement Clearly
Our dashboards and plain-English statements show you exactly what you paid, what you processed, and where you can save more. No spreadsheet required.
Earn Rewards for Transactions Processed
Unlike Square or Stripe, Affinity members earn real rewards on processing activity that come back as value to your business.
bUILT FOR THE WAY YOU GET PAID
Flexible cash discount , dual pricing & payment solutions that fit your business
Whether your customers pay in-store, online, or on the go, Affinity’s payment solutions are built around eliminating or lowering your processing costs first. Choose a compliant cash discount or dual pricing program to bring your fees to near zero, or opt for transparent interchange-plus pricing with no hidden markups. Either way, accept payments securely and earn rewards on every transaction — without changing the way you do business
In-Store
In-Person Credit Card Processing. Accept chip, tap, and swipe payments at your counter with PCI-compliant terminals. Transparent rates, no long-term contracts.
Online
Online Payment Processing for Small Business. Secure checkout, hosted payment pages, and online invoicing. Start accepting cards on your website in days, not weeks.
Mobile
Mobile Credit Card Processing. Accept payments on your phone or tablet with a Bluetooth card reader. Ideal for contractors, food trucks, pop-ups, and field service businesses.
POS Hardware
POS Systems for Small Business. Industry-tailored point-of-sale systems with built-in payment processing, inventory management, and employee reporting.
Reporting
Merchant Reporting & Analytics Real-time dashboards, plain-English statements, and transaction controls that show exactly what you're paying and processing
Financing
Business Funding for Members Affinity members get access to working capital, equipment financing, and invoice factoring with rewards built in.
COMMON QUESTIONS
Payment solutions FAQs
Cash discount and dual pricing programs typically work best for businesses with lower average transaction sizes — generally under $200. Restaurants, retail stores, convenience stores, salons, and contractors are great examples where the program thrives. The smaller the average ticket, the less noticeable the price difference is to customers — which means less friction at checkout and maximum savings for your business. Not sure if it’s a fit? Our free merchant statement review will show you exactly what you’d save.
Affinity saves small businesses money two ways — eliminate fees entirely with a compliant cash discount or dual pricing program, or lower them significantly with transparent interchange-plus pricing and no hidden markups. Either way, you get plain-English statements that show exactly what you’re paying, and member rewards that accumulate on every transaction you process.
Yes. Affinity provides industry-specific payment solutions for restaurants, retail stores, specialty businesses, contractors, and healthcare providers. Each setup is configured for your industry’s specific hardware, software, and workflow — not a one-size-fits-all approach. Choose your industry in the section above to see the solution built specifically for you.
In most cases, yes — our platform integrates with over 200 POS systems. During your free merchant statement review, our team will confirm compatibility with your current system — or recommend a better-fit option if needed.
Our small business payment solutions support retail, restaurants, service businesses, mobile operations, and select high-risk industries. Each business is set up based on its industry, payment environment, and software needs.
Most businesses can get started quickly. After a short review of your current setup, our team handles the transition to ensure a smooth onboarding process with minimal disruption.
READY TO LOWER OR ELIMINATE YOUR PROCESSING FEES?
Get payment solutions built to save your business money
Send us your current merchant statement and we’ll show you exactly what you’re paying in processing fees and exactly what you’d save with a cash discount, dual pricing, or interchange-plus program. No commitment. Just the numbers.