Get the Smart Payments Terminal for $0 with a new SPS merchant account and Piggy Bank POS!
A cash discount That
you can trust.
Free POS System- Recoup the majority of credit card fees
- See immediate positive results to your bottom line
Experience seamless business management with the Universell Platform.
- Access over 45 business apps and services worth $2,500 per month for FREE.
- Streamline your operations, boost productivity, and maximize profits with tools like CRM, Payments, E-commerce, Inventory, Accounting, Billing, Loyalty, Customer Support, Employee Management, and Task Management.
Trusted by over 20,000 U.S. SMB Owners
DO YOU STILL HAVE TO PAY TO BE PAID?
With Stellar Payments, your business can accept credit card payments while recouping the majority of the processing costs. Get a custom solution today!
It's 100% legal
The chosen solution for over 50,000 Merchants across the US.
Easy to start
All you need is a short conversation with one of our experts to guide you through the setup process.
All in one
Stellar Payments accommodates all credit card types and mobile wallet systems such as ApplePay® and Android®
Premium Support
A dedicated account manager. Never wait again for help or support.
Save from day one
Your days of hefty credit card fees are over. It’s like giving yourself a big raise. No hidden fees.
Supersmart technology
EMV Chip Readers. Cloud-based receipt system. Easy integration with any POS.
Note:
The Industry's best POS Systems used by millions of customers around the world.
Free POS System + Recoup the majority of credit card fees
TRIM DOWN THE ANNOYING FEES YOU PAY
We also provide you with a set of advanced tools, such as a Virtual Terminal and online payment gateway, allowing easy collection of payments through e-invoices. Our unique ‘Signature Capture’ feature securely saves transaction signatures, eliminating receipt troubles and assisting with compliance and chargebacks.
Earn More With Each Transaction
FAST APPROVAL, SECURE TRANSACTIONS.
Our secure system ensures that your customers’ information is always safe. Payments start to reflect the next business day in your account. Importantly, our POS empowers you to reclaim the lion’s share of processing fees. Imagine: you process $100K monthly, with a standard 4% processing fee. That’s $48K a year. Our POS can help reclaim most of that – a significant boost to your bottom line!
SPS COMPLETE SOLUTION
+20
Years on the market
+20k
Trusted SMB Owners
+21k
Active Client
Free Terminal
Piggy Bank POS
SPS Merchant Account
Universell Platform with +45 Business Apps
UPGRADE YOUR PAYMENT SYSTEM WITH A SINGLE SOLUTION
While You Save On Payment Fees And Improve Your Bottom Line!
The Cash Discount Program
RECOUP THE MAJORITY OF YOUR CREDIT FEES WITH OUR CASH DISCOUNT PROGRAM
Cash discount program is designed to help small businesses. Save thousands of dollars each year. By passing on the cost of accepting credit cards from customers who wish to pay with a credit card card, you can keep more of your profits. Plus, a lower price Customers are encouraged to buy more!
Save up to 4% extra on every transaction. See immediate positive results to your bottom line.
4.9
Cash Discount Savings Calculator
Monthly Credit Card Volume
$0
$500,000
Savings based on our Cash Discount Program
Potential Savings
Monthly ($):
Annually ($):
This is an estimate based on the information provided. Per Occurrence fees will still apply.
You'll love our simple & honest Pricing
POS Terminal
$0
Price to use our Cash Discount Program (Piggy Bank POS)
$19.95/mo
BONUS FEATURES THAT HELP YOU MANAGE & GROW YOUR BUSINESS
POS & Virtual Terminal
-
CRM
-
Marketing Hub
-
Inventory
-
Merchant Account
-
Employee Management
-
Scheduling
-
Invoicing*
-
Loyalty & Rewards*
-
Fast Shop*
-
Orders & E-Commerce*
* Features require a Payment Gateway connection.
MAXIMIZE YOUR SAVINGS WITH FULL TRANSPARENCY
Pricing per Occurrence
| Costs | SPS's Cost |
| Interchange + Margins | None |
| Interchange Costs | None |
| Card Assessment Costs | None |
| AVS Cost (for keyed sales) | $0.05/instance |
| Retrieval Cost | $25/instance |
| Chargeback Cost | $25/instance |
| Voice Authorization Cost | $2.00/instance |
| Closure Cost | $50/instance |
| ACH Reject Cost | $50/instance |
| Wireless Service Cost (if applicable) | $19,95/month |
| Clover Go Mobile (if applicable) | $10/month |
| Optional alternative equipment tailored to your needs | $5/month |
THE LOWEST TOTAL PAYMENT SYSTEM COSTS IN THE INDUSTRY, IT'S A PROMISE!
| Stellar Payments | Others | |
|---|---|---|
| POS Terminal | $0 | $300-600 |
| Payment Fees | Recoup the majority of Credit Card Fees | 2.9% - 3.9% |
| Cash Discount Program (Piggy Bank POS) with Business Toolkit | $19.95 / mo | $600+/mo for key business tools |
SPS Merchant Account
75%
Average credit card processing fee recouped by our customers
$1B +
Payments are processed each year
50K +
Total Customers
100K +
Total Transactions processed per month
Have more questions?
CONTACT SUPPORTFAQs
A: We have 20+ years of experience working with thousands of small businesses. Merchants just like yourself: Our services and software tools are considered among the best in the industry!
A: The processing rate will be determined by the cards you process. For example,the default rate that the majority of your customers are paying with Credit cards is 4%. Using our app, you will be able to recoup the majority of this processing fee. Let’s say you processed $100K for the month, and the cost of processing was 4%, which translates to about $4K in monthly fees or $48K in fees per year. Using our app, you will be able to recoup the majority of this $48K in processing fees – that’s a huge amount of money back into your pocket! Learn More .
A: The amount you save depends on the volume of credit card transactions at your business. We have customers who have saved almost all of their credit card fees that they used to pay before. On average, our Customers save thousands each year.
A: Surcharging means adding a fee to customers paying with credit cards, while cash discounting means discounting customers paying with cash. The Cash Discount will manage inventory prices upon initial download. It will provide a discount to customers choosing to pay with cash, checks, or debit cards.
A: The Cash Discount offers business owners significant savings that directly affect their bottom line. When accepting credit cards, the Cash Discount can help merchants recoup the majority of their credit card processing fees.
A: Using the Cash Discount app, merchants will recoup most of their credit card processing fees.
A: Yes, our POS systems are completely free with no hidden costs. All you need to pay is a subscription to use our services and technology platform.
A: It’s simple! Just sign up by filling out the form. Our support team will be in touch with you immediately to begin the agreement signing process. We usually dispatch the POS machine the next business day. That’s it!
A: Deposits will appear in your bank account the next business day, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day.