Terminal placed free
No lease, no 48-month agreement, no early termination fee — the three things that trap most owners.
Your Sale. Your Money. Period.
Credit card fees come off your statement entirely. Your terminal gets replaced free. Your deposits land the next business day. Nothing about the way you sell has to change.
- $0
- Processing fees
- Next day
- Funding, every batch
- 50 states
- Fully compliant
- 24/7
- Support, in-house
What you get
Full price in.
Full price out.
Everything you need to take payments, without the part where a percentage disappears.
Next-day funding
Batch tonight, money tomorrow. Not two days, not “up to three.”
Signage & compliance
Everything the program requires, printed and ready, so you're covered from day one.
Support in-house
Real people who work here, not a ticket queue in another time zone.
Cash Discount Program
Processing fees are optional. Most owners have never been told that.
You post one price. Customers paying cash get a discount off that price. Customers paying by card pay the posted price, which already accounts for the cost of running the card. The processing cost is covered where it originates instead of coming out of your margin. Your monthly statement stops showing a fee.
It is not a workaround and it is not new. It is a disclosed pricing structure that has been in use for years, and you have almost certainly paid it yourself at a gas station without thinking about it.
- Compliant in all fifty states — we handle signage and disclosure
- Works with the terminal you already have, or we replace it free
- Next-day funding is unaffected
- Cash customers pay less than they do today
- Reversible — don't like it after ninety days, we move you to standard pricing
Estimated annual savings
Claim your savings
POS & Terminals
The thing on your counter is part of the experience.
Countertop, wireless, mobile or full POS — matched to how you actually sell, and placed at no cost when you qualify.
Most owners are running a terminal they signed for years ago, on a lease that quietly renews, from a company they can no longer get on the phone. We place current hardware, we do not lease it to you, and if it fails we replace it.
- Countertop and wireless terminalsEMV chip, tap, mobile wallet
- Full POSinventory, staff logins, end-of-day reporting
- Virtual terminalphone and mail orders
- Online gatewayrecurring billing and card vault
- Installed and configured for younot shipped in a box
High-Risk Accounts
Approved where you've been declined.
Multiple sponsor banks, underwriting done in-house, and a pre-approval answer usually inside one business day.
A high-risk classification is rarely about the business being badly run. It is about chargeback exposure, recurring billing, card-not-present volume, or an industry a particular bank has decided to avoid this quarter. Because we board through more than one sponsor bank and underwrite in-house, a decline at one bank is not the end of the conversation.
- Auto dealers & warranty
- CBD & vape
- Firearms
- Travel & ticketing
- Nutraceuticals
- Subscription billing
- Credit repair
- Debt relief
- Online education
- Adult
- Gaming
- E-commerce at volume
Compare
Put us next to what you're using now.
Flat-rate processors are simple and expensive. Here is what the same month looks like on each.
| Feature | Square | Shopify | PartnrFlo |
|---|---|---|---|
| Swiped rate | 2.60% + 10¢ | 2.70% + 0¢ | 0% — cash discount |
| Keyed rate | 3.50% + 15¢ | 3.50% + 30¢ | 0% — cash discount |
| Equipment | Purchase | Purchase | Placed free |
| Funding speed | 1–2 days | 2–3 days | Next business day |
| Contract | Month to month | Month to month | Month to month |
| Named account manager | — | — | Yes |
| Support | Business hours | Chat | 24/7, in-house |
| Annual rate review | — | — | Yes |
Competitor rates as published and verified September 2026. Your review will use your actual statement.
Run my numbersPartner With Us
Build a residual you actually own.
For ISOs, brokers and anyone with a network of business owners — a real split, paid monthly, with reporting you can check.
Most agent programs are vague about two things: what the split actually is, and whether you can see the numbers behind it. We tell you the split before you sign and give you reporting that shows every account, every month.
-
Apply
Short form, and we talk through your existing book before anyone signs anything.
-
Get set up
Agreement, split, portal access and the materials you need to pitch.
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Board and earn
Submit your first merchant and start collecting monthly.
Why PartnrFlo
New name.
Not new to this.
PartnrFlo is the sales side of an established payments operation. The sponsor banks, the underwriting, the funding rails and the support desk have all been running for years. What is new is the front end — and that is deliberate.
This industry has a habit of burying a lease in a signature page, quoting a rate that lasts ninety days, and going quiet once the terminal is installed. We built the sales side to work the other way: the pricing is disclosed, the equipment is placed rather than leased, and the person who signs you up is the person who picks up when you call.
No equipment leases
Ever. It is the single most common trap in this business.
Pricing disclosed in full
Every monthly fee, before you sign anything.
Support in-house
Answered by people who know your account.
Month to month
If we stop earning it, you leave without a penalty.
Contact
Send one statement. Get a straight answer.
Send us a recent processing statement and we will tell you exactly what comes off it — no obligation, no sales sequence.
- Answered within one business day
- Free review, no obligation
If you're still paying to accept cards, you're paying for something you don't have to.