Frequently Asked Questions
Credit card processing securely moves funds from a customer’s card account to your business bank account. Networks, banks, and processors coordinate approvals and transfers, with small fees covering the service.
When a card is tapped, dipped, or swiped, your terminal sends a secure request via the processor and card network to the issuing bank. Approved transactions are batched and deposited to your bank account.
It gives customers more ways to pay—credit, debit, tap-to-pay, and mobile wallets—often boosting sales and speeding up checkout.
A merchant account lets your business accept card payments. You can be set up as a submerchant for quick onboarding or have a dedicated account for more control. We’ll help you choose the best fit.
Choose equipment based on your workflow: countertop terminals or POS for in-store, mobile readers for events, and a secure payment gateway for online checkout and invoicing.
Expect per-transaction fees and, depending on setup, possible account or gateway fees. These cover security, technology, and banking networks.
Typical processing runs ~2%–4% plus $0.10–$0.30 per transaction. Dedicated merchant accounts may include monthly service, gateway, or PCI fees.
Merchant costs vary by card type, acceptance method, and pricing model. Customers usually don’t pay fees directly; some businesses use surcharges or minimums, which can affect satisfaction.
The EZSwipe.shop Cash Discount Program allows business owners to recover payment processing costs by offering customers a small discount for paying with cash—without raising the sticker price.
No. A surcharge adds a fee to card transactions (restricted in some states). A cash discount reduces the price for customers who pay with cash or check—legal nationwide.
Yes. U.S. guidelines allow businesses to offer a discount for cash, check, debit, or credit payments.
Yes—independent coverage confirms merchants can offer discounted pricing and increase transparency:
• NBC News: Visa & Mastercard settlement — https://www.nbcnews.com/business/business-news/visa-mastercard-7-3-billion-settlement-over-credit-card-fees-f881386
• Washington Post: Judge approves $5.7B settlement with retailers — https://www.washingtonpost.com/business/economy/us-judge-approves-visa-mastercard-57-billion-credit-card-settlement-with-retailers/2013/12/13/bd42b88c-643a-11e3-aa81-e1dab1360323_story.html
Receipts show both totals clearly (card vs. cash). Example:
• Credit Card: $10.35 (includes processing cost)
• Cash: $10.00 (discount applied)
Customers see the cash benefit while card payments remain seamless.
Any card-accepting business—auto repair, daycare, retail, restaurants, and professionals like attorneys, dentists, and accountants—can use cash discount to keep more revenue each month.
We ship your payment terminal plus ready-to-post signage explaining the cash discount. Training for you and your team is included, along with ongoing support and starter supplies.
No. EZSwipe.shop is designed to be simple. Setup is quick, and our support team walks you through each step.
After you submit the application, approvals typically complete within 24 hours. Most accounts go live the next business day, and we ship equipment promptly.
Card transactions (Visa, Mastercard, Discover) are usually funded the next business day, depending on your business type.
We offer a satisfaction guarantee. If you prefer traditional pricing later, we’ll switch you back right away—no penalties.
Prefer email? info@ezswipe.shop
Or call us: +1 (954) 620-6494
Our team will guide you through a quick setup so you can start saving immediately.
