Trusted by over 20,000 U.S. SMB Owners

Trusted Brand Logo Trusted Brand Logo Trusted Brand Logo Trusted Brand Logo Trusted Brand Logo Trusted Brand Logo Trusted Brand Logo

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!

banner check icon It's 100% legal

The chosen solution for over 50,000 Merchants across the US.

banner check icon Easy to start

All you need is a short conversation with one of our experts to guide you through the setup process.

banner check icon All in one

Stellar Payments accommodates all credit card types and mobile wallet systems such as ApplePay® and Android®

banner check icon Premium Support

A dedicated account manager. Never wait again for help or support.

banner check icon Save from day one

Your days of hefty credit card fees are over. It’s like giving yourself a big raise. No hidden fees.

banner check icon Supersmart technology

EMV Chip Readers. Cloud-based receipt system. Easy integration with any POS.

Secure credit card processing using EMV chip reader technology
Stellar Payments Website. SEO 2024 Stellar Payments Website. SEO 2024 100% 10 C8 Close-up of a hand processing a payment on a touchscreen POS terminal, highlighting Stellar Payments' user-friendly and reliable technology for seamless transactions. Close-up of a hand processing a payment on a touchscreen POS terminal, highlighting Stellar Payments' user-friendly and reliable technology for seamless transactions. Turn on screen reader support To enable screen reader support, press Ctrl+Alt+Z To learn about keyboard shortcuts, press Ctrl+slashAnonymous Unicorn has joined the document.

Note:

The Industry's best POS Systems used by millions of customers around the world.

banner check icon 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.

banner check icon 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!

Illustration of Stellar Payments Systems' technology suite, featuring a range of solutions like POS terminals, digital payments, and business tools designed for efficiency and growth

SPS COMPLETE SOLUTION

+20

Years on the market

+20k

Trusted SMB Owners

+21k

Active Client

Free Terminal
Free Terminal
Piggy Bank POS
Piggy Bank POS
SPS Merchant Account
SPS Merchant Account
Universell Platform
Universell Platform with +45 Business Apps
Cost-saving features and transparent pricing at Stellar Payments

imgUPGRADE 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

612 Reviews
img

Cash Discount Savings Calculator

Monthly Credit Card Volume

$0

$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
  • icon

    POS & Virtual Terminal

  • icon

    CRM

  • icon

    Marketing Hub

  • icon

    Inventory

  • icon

    Merchant Account

  • icon

    Employee Management

  • icon

    Scheduling

  • icon

    Invoicing*

  • icon

    Loyalty & Rewards*

  • icon

    Fast Shop*

  • icon

    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

Option 1 - Free

A completely free point-of-sale system that you can use for as long as you process with Stellar. Once your account is approved, we will ship you the POS terminal and cash register at no cost. With our Piggy Bank POS, you'll recoup the majority of your processing.

Option 2 - $875 POS Offering

Benefit from a swiped rate of 1.75% and a keyed-in rate of 3.5% + $0.25 per transaction, and pay only $875 for our complete POS solution.

SEE HOW BUSINESSES ARE SAVING THOUSANDS OF DOLLARS EACH MONTH

WITH THE CASH DISCOUNT APP

4.9

612 Reviews

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 SUPPORT

FAQs

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.