Stop handing 3% of every sale to a processor.
Most card processors quietly skim three cents of every dollar your business takes in. We give you six straightforward, honest ways to handle processing fees—whether you pass them through, split the difference, or absorb them at pure wholesale cost.
*Free Clover terminal offered to qualifying businesses (1+ year in business with consistent volume), reviewed directly by Michael in Traverse City. Direct email: mike@321.cash
AT $10,000 / MO VOLUME
100 sales · $100 average ticket · 50/50 card mix
Every plan is simply a choice of who carries the card networks’ toll.
No processor can wave a magic wand and delete Visa or Mastercard interchange. What we change is transparency: giving you clear, deliberate control over how that cost is shared, presented, and budgeted.
The Unseen Card Toll
Between interchange, assessments, and card-brand fees, roughly three cents of every dollar is contested. The difference is whether that cut eats your bottom line or is handled upfront.
Zero Merchant Markup
With Dual Pricing or Cash Discount, your merchant card fee is capped at a flat monthly subscription. You stop watching your processor bill balloon as your sales increase.
Frictionless Counter Experience
If customer perception is your top priority, Traditional pass-through lets you absorb fees cleanly at raw wholesale interchange, saving you hundreds compared to Square or Stripe.
Six honest plans. One clear account.
Whether you want a flat $25 monthly cap with dual price tags, or want to absorb card fees invisibly at true wholesale rates, every plan operates on clear terms without teaser rates or lock-in traps.
Surcharge
A transparent 3% line item applied strictly to credit card transactions. Debit cards and cash purchases never carry an extra fee.
0% on Debit & Cash
1.5% + $0.25 Debit
- Clearly disclosed on the printed receipt
- Blended customer impact ~1.5% at 50/50 mix
- Compliant with all state & card network regulations
Cash Discount
The posted shelf price is the standard card price. Customers paying with cash receive an instant discount off their purchase.
(Cash gets discount)
Flat tier subscription
- $25 up to $5k · $50 up to $10k · $99 above
- You deposit 100% of your retail sales
- Zero separate interchange surprise fees
Traditional Wholesale
The classic counter experience. Shoppers pay zero additional fees while you pay true Interchange-Plus with razor-thin margin.
Zero fee at checkout
+ $0.10 per swipe
- Raw wholesale interchange (~1.79%) passed at cost
- Lower debit interchange saves you money
- Far cheaper than 2.6% + $0.15 aggregator markups
Dual Pricing
Every price tag, shelf sign, and terminal screen clearly displays both a cash price and a card price. Customers make an informed choice at checkout, and you retain 100% of your listed cash margin.
0% added when paying cash
Retain 100% of cash revenue
- Lowest merchant bill across all high-volume scenarios
- Automatic dual-price calculations on Clover terminals
- 100% compliant and proven with local shoppers
- No sudden rate increases as your sales expand
eCommerce
Engineered for online storefronts, virtual terminals, and emailed customer invoices. Zero monthly account fees.
(Cash discount option)
+ $0.15 per order
- Card-not-present interchange (~2.05%) at cost
- No monthly subscription retainer
- Seamless virtual terminal & gateway integration
Tap to Pay on Phone
No terminals to lease, ship, or charge. Just download the app and accept contactless cards, Apple Pay, and Google Wallet directly on your smartphone. The $0.175 transaction fee already bundles the tap network fee at exact cost.
+ 0.55% + $0.175 / tap
& popup boutique events
Works on iPhone & Android with no extra dongle required.
Run the math on your actual numbers.
Select a plan, adjust your monthly card volume and average ticket size, and compare your net cost against the standard 3% card tax.
Dual Pricing (Flagship)
Every item displays both a cash price and a card price. Shoppers choose their payment path with total clarity.
321.cash against Stripe, Square, and Jim.
Aggregators love advertising “simple” flat rates like 2.6% or 2.9% because they quietly pocket the massive margin on everyday debit swipes. Here is how published pricing stacks up on identical sales volume.
In-Person Countertop & Mobile Swipes
($50 average ticket)| Provider & Plan | Published Pricing Formula | Cost @ $1k/mo | Cost @ $10k/mo |
|---|---|---|---|
| 321.cash — Dual Pricing (Flagship) | $25/mo flat · Merchant pays $0 processing | $25.00 | $25.00 |
| 321.cash — Traditional Wholesale | Interchange (~1.79%) + 0.55% + $0.10 ($15/mo) | $40.40 | $259.00 |
| 321.cash — Tap to Pay on Mobile | Interchange + 0.55% + $0.175 ($15/mo · $0 hardware) | $41.90 | $266.50 |
| Stripe Terminal | 2.7% + $0.05 per transaction | $28.00 | $280.00 |
| Square (Free Plan) | 2.6% + $0.15 per transaction | $29.00 | $290.00 |
| Jim (Tap to Pay teaser rate) | 1.99% flat (funds held on Jim debit card) | $19.90 | $199.00 |
| Jim (Tap + transferred to your actual bank) | 1.99% Tap + 1.99% ACH Transfer + $0.99 | $40.79 | $398.99 |
eCommerce & Invoicing (Card-Not-Present)
($50 average ticket)| Provider & Plan | Published Pricing Formula | Cost @ $1k/mo | Cost @ $10k/mo |
|---|---|---|---|
| 321.cash — eCommerce | Interchange (~2.05%) + 0.55% + $0.15 · Zero monthly fee | $29.00 | $275.00 |
| Stripe Online | 2.9% + $0.30 per charge | $35.00 | $350.00 |
| Square Online | 3.3% + $0.30 per charge | $39.00 | $390.00 |
| Jim Payment Link | 4.99% + $0.30 per link | $55.90 | $559.00 |
How to choose your plan in thirty seconds.
You don’t need an hour-long sales pitch. Choose the scenario that matches your business priority:
“I need that 3% back in my bank.”
Choose Dual Pricing (or Cash Discount). You cap your entire merchant processing bill at $25/mo flat and retain 100% of your ticket revenue.
“I want zero friction at checkout.”
Choose Traditional Wholesale. Your customers see no extra fees, while you pay true Interchange-Plus, beating Square by hundreds each month.
“I operate on the go without a counter.”
Choose Tap to Pay on Mobile. No terminal hardware to purchase or charge. Download the app and take contactless card taps directly on your phone.
“I sell online or email client invoices.”
Choose eCommerce. Zero monthly account fees, online interchange passed directly at wholesale cost, and seamless virtual terminal tools.
Hardware matched to how you serve customers.
Your pricing structure is separate from your equipment. Every single 321.cash plan functions smoothly whether you’re ringing up groceries on a high-speed countertop terminal or tapping phones at a weekend popup.
Clover Point-of-Sale Terminal
Full-featured commercial hardware ready to plug in out of the box. Engineered for busy retail counters, cafes, and service shops that need speed and reliability.
- Accepts EMV chip cards, magnetic swipes, Apple Pay & Google Wallet
- Integrated thermal receipt printer and customer-facing tip/signature screen
- Free terminal provided to qualifying merchants (1+ year operating history & consistent volume)
Tap to Pay on Mobile
Turn the smartphone in your pocket into a secure card terminal. Ideal for mobile food trucks, onsite contractors, stylists, and pop-up events.
- Zero terminals to purchase, lease, charge, or troubleshoot
- Native contactless support on modern iPhone and Android devices
- Available immediately with zero time-in-business requirements
Working capital when opportunity or urgency calls.
A commercial oven dying on a Friday afternoon or a bulk inventory shipment arriving before tourist season shouldn’t mean fighting a multi-week bank loan queue. As an active 321.cash merchant, you qualify for fast, revenue-based capital advances paid back automatically through daily receipts.
Emergency Equipment
Replace or upgrade mission-critical kitchen hardware, refrigeration units, or service vehicles without draining cash reserves.
Seasonal Inventory
Lock in bulk vendor discounts and stock your shelves ahead of holiday rushes or summer tourist peaks.
Seasonal Breathing Room
Smooth payroll and fixed operating costs during slower regional months without taking on rigid bank obligations.
A candid word from Traverse City.
Walk down Front Street here in Traverse City, or any independent commercial district in the country, and you will find business owners clocking eighty hours a week—only to watch an anonymous payment processor take enough off the top each month to cover a full-time staff member’s wages.
I launched 321.cash to hand that margin back to the people doing the actual work. We started with the simple zero-percent premise—3 · 2 · 1 · cash—which remains the core of our Dual Pricing and Cash Discount offers.
Over time, it became obvious that every counter operates differently. Some shopkeepers want customer checkout to remain completely untouched, so they absorb card fees at pure wholesale interchange. Others run food trucks or mobile fleets and don’t even have a counter, running transactions directly from their phones.
That is why we offer six clear doors into the same house. No misleading teaser rates, no high-pressure sales reps, and no five-year leases. Just honest math, dependable hardware, and a direct line to someone who understands what it takes to keep a small business running.
Request your free Clover POS terminal.
We provide brand-new Clover point-of-sale hardware at zero upfront cost to established merchants. Answer four quick questions to verify your eligibility and book a ten-minute Zoom walkthrough.