Smarter Payment Processing For Growing Business.
Partner with Circle Processing to implement powerful Dual Pricing, Cash Discount, or Surcharging programs on the industry's leading Clover POS systems.
Trusted by Industry Leaders
How it works
How We Eliminate Your Processing Fees
in 3 Simple Steps
Step 1 : Free Consultation
We analyze your business to recommend the perfect fee-elimination program—Dual Pricing, Cash Discount, or Surcharging—for your specific needs.
Step 2 : Expert Setup
We expertly configure your program on a FREE Clover POS system, handle all compliance signage, and train your team for a seamless transition.
Step 3 : Start Saving
Begin accepting payments immediately and watch your processing fees disappear. It's that simple.
How We Help
Find the Right Fee Elimination Program for You
Offer customers the choice between a lower cash price and a standard card price right on the menu or price tag. This transparent approach builds trust and empowers your customers, all while offsetting your processing fees. It's the perfect solution for retail and restaurants seeking ultimate clarity at checkout. Learn More
Reward your customers for paying with cash. This simple and popular program involves a small service fee on all items, with an automatic discount applied at checkout for cash payments. It's a customer-friendly way to eliminate nearly all your processing fees with minimal change to your operations. Learn More
Directly recoup the high cost of accepting credit cards. A surcharging program adds a small, compliant fee to credit card transactions, allowing you to recover your processing expenses. Ideal for B2B or large-ticket businesses, we handle all the complex compliance rules so you can save with confidence. Learn More
Circle Processing makes transactions more accessible and secure for merchants by providing a safe and compliant way to store and access customer card information. Learn More
Clover Solutions – from Payments to Business Management
Clover delivers a robust business management platform coupled with an extensive offering of merchant services to empower your small business for growth.
"Choosing the right Hardware or POS System is Essential for your Business Growth"
Clover Station Solo
Accept payments and manage everything, from making appointments to checking inventory to overseeing employees, with this flexible, all-in-one business management POS system.
Clover Station Duo
Tackle your daily traffic spikes without breaking a sweat. Station Duo is designed for speed, security and engagement with a screen for you and a screen for the customer.
Clover Flex
Serve your customers better – whether at the counter, in line, at the table, or on the go – with this all-in-one, hand-held small business card processing solution.
Clover Mini
Run your operations more efficiently in one integrated system that scales with your business as it grows.
Clover Go
Take both credit and debit EMV chip or contactless cards securely and reliably using your smartphone or tablet paired with this compact card reader.
Clover Virtual Terminal
Accept credit and debit card payments directly on a computer, tablet, or smartphone. Take care of all incoming payments: in-store orders, mail orders, or invoices.
FD150 Terminal & RP10 PIN Pad
Accept payments however customers want to pay with this compact, feature-rich small business credit card reader.
Why Choose Us
More Than a Processor. We're Your Profitability Partner.
Transparent Pricing
Instant Cashout
Safe & Secure
Fully Encrypted
Clients' Voices
Testimonials from our satisfied clients.
John Clark
"Switching to Circle Processing's cash discount program was the best financial decision we made all year. We've saved over $8,000 in fees and our customers love the cash discount option."
Elizabeth Johnson
"I highly recommend Circle Processing for their professionalism and expertise. They helped me navigate complex things with ease."
Michael Wim
"The transition to Circle Processing has saved us thousands of dollars per month in processing fees! Their Cash Discount program was incredibly easy to set up on our new Clover Flex terminals. Our servers can now take payments right at the table, the discount is applied automatically, and our bottom line has never been healthier. "
Why Circle Processing?
Frequently Asked Questions
Clear answers to help you make confident financial decisions.
Q: What is the main difference between Dual Pricing, Cash Discount, and Surcharging?
The main difference is how the price is presented to the customer. Dual Pricing shows two prices upfront (e.g., $10 cash / $10.40 card). A Cash Discount shows one higher price and automatically applies a discount if the customer pays with cash. Surcharging shows one price and adds a fee at the end only for credit card transactions. Our experts can help you choose the best fit for your business.
Q: Are these fee-elimination programs legal?
Yes. Cash Discount and Dual Pricing programs are legal in all 50 states when implemented correctly with transparent signage, which we provide. Credit card surcharging is also legal in most states, but is prohibited in a few, such as Connecticut and Massachusetts. We are compliance experts and will ensure your business always operates within the rules.
Q: Which Clover device is right for my business?
It depends on your needs. The Clover Station Duo is perfect for high-volume countertops with its dual screens. The Clover Flex is a powerful handheld device ideal for restaurants and mobile payments. The Clover Mini is a compact, all-in-one solution for smaller spaces. We can help you select the perfect hardware during your free consultation.
Q: What makes Circle Processing different from other Clover resellers?
Our focus is on being your profitability partner, not just a hardware vendor. Our core expertise is in the complex, compliant implementation of fee-elimination programs. We combine that with transparent pricing, no long-term contracts, and dedicated, 24/7 U.S.-based support to help your business thrive.
Get Started
Want to work with us?
Let’s create a personalized financial plan that puts your goals within reach — starting today.
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