Most businesses treat card fees as a cost of doing business and payroll as money that simply leaves. Both are revenue you're handing to someone else. We turn each of them into a line item that pays you back.
1% back on the card volume you process. 1% back on gross spend from the cards you issue. Run one or run both — they don't take from each other.
Sample card for illustration. Your brand, your program — physical or virtual.
Processing earns on the money your customers pay you. Issuing earns on the money you pay out. They're separate programs on separate rails — a business can run either one alone, or run both and collect on every dollar moving in each direction.
Card acceptance with dual pricing at the point of sale, so the cost of card acceptance is carried at checkout rather than absorbed by the business. Same terminals, same checkout, same customer experience.
Your own branded cards — physical or virtual — for any money you pay out. Payroll, contractor and vendor payments, expense, payouts, and cash-to-card. One program, whatever you need it to do.
Dual pricing means the card price and the cash price are both posted, and the customer chooses. Done correctly it is a disclosure practice, not a hidden fee — and the difference between the two is where the economics of the program live.
New York's surcharge rules require the total price for paying by card to be displayed clearly, with the cash price shown alongside it. Nothing is added at the register that wasn't on the shelf. Our program is built to that standard.
Same equipment, same flow, same receipt. Signage and pricing displays are part of the rollout. Staff training is a briefing, not a project.
A full point of the interchange on every card transaction is returned to you rather than kept upstream. On a business processing meaningful volume, that is a material line — see the calculator below.
Debit and prepaid are treated differently from credit. Surcharging rules don't apply the same way across card types, and a compliant program accounts for that at the terminal rather than in the fine print.
When you issue your own cards, you earn on what's spent on them. It has nothing to do with processing — this is revenue on money leaving your business, which today earns you nothing at all.
Businesses issue them for:
Physical or virtual, issued under your name. One program covers every use above — you don't run a separate scheme for each.
Not 1% of what you load — 1% of what gets spent on the cards. Money you were already paying out becomes a recurring return.
Cards are issued by a licensed issuing bank under a card network licence. Cardholder identity verification applies to reloadable programs, and the program is built to sit inside the compliance obligations you already carry.
As of March 2026, New York State requires retail establishments and food stores to accept cash for in-person transactions, and bars charging cash customers more than cashless ones. Penalties start at $1,000 and rise from there.
The statute contains one exception. A business does not have to accept cash if it provides an on-site device that converts cash to a card — with no fee, a minimum deposit of a dollar or less, a receipt available on request, and funds that don't expire or cap the number of transactions.
That exception describes a cash-to-card program. If your operation wants to run cashless in New York, this isn't a convenience feature — it's the mechanism the law points to. And because it runs on cards you issue, the same 1% applies to everything spent on them.
Summary only, not legal advice. Confirm applicability to your operation with counsel.
Drag the two inputs. Everything is calculated at 1% of the figures you enter — no assumed rates, no hidden multipliers.
Illustrative only — not a quote, an offer, or a guarantee of results. Actual amounts depend on card mix, transaction type, volume and the terms of an executed agreement. Figures assume all volume entered is eligible.
We look at your current statements and card mix and put real numbers against both levers for your business — not the illustration above.
Standard review by the sponsoring institutions. Everything after this point is conditional on it, and we'd rather say so up front than discover it late.
Equipment and pricing displays for processing. Card design, program parameters and cardholder onboarding for issuing. Per-location setup where you have more than one site.
Once live, the rebate accrues on qualifying volume and is remitted on the schedule set out in your agreement.
The businesses we work with have auditors, regulators and finance committees. The program is designed to be explained to all three.
Processing and issuing both run on established, bank-backed rails. Institutions involved are identified on request and named in the definitive agreements.
Card data handling follows the Payment Card Industry Data Security Standard.
Reloadable card programs carry customer identification requirements, and the program is structured to fit within the anti-money-laundering obligations of the businesses using it rather than around them.
Where an operation sits under a state regulator, vendor review and registration are assumed to be part of the process and planned for from the start.
The fastest way to know what this is worth is a look at your current processing statement and an estimate of what you pay out each year. No obligation, no switching anything to find out.