Traditional processors charge a flat percentage on every card swipe — 2.5%, 3%, often more after hidden dues. On $20,000/month in cards, that’s $500–$600 you never see again, month after month.
Toast and Square stack monthly software fees, kiosk fees, and online-ordering commissions on top of processing. You’re paying to take payments and paying for the system that takes them.
No jargon — here’s the full mechanics of how the fee disappears.
Every item gets two prices: a lower cash price (what you advertise) and a slightly higher card price that includes the cost of card acceptance.
When a customer pays by credit card, they pay the card price. Cash and PIN-debit customers keep the lower posted price — no surprise.
The small spread between the two prices covers the card network fees, pushing your net processing cost toward $0 on every sale.
Structured correctly, dual pricing is legal in all 50 U.S. states when the two prices are disclosed properly. It’s a cash discount — not a card surcharge — and we handle the required signage and receipt disclosures for you.
When you process with Ross / MPI, you get the terminal and the POS software bundled together — no separate software subscription. One relationship, one support line, and your processing cost offset to near zero.
Terminal + software, no extra subscription
Four steps from your current processor to zero-fee — most merchants go live within a week.
Send us your current Toast or Square statements. We show you exactly what you're paying and what dual pricing saves.
We configure your terminal and register for compliant dual pricing — signage and receipt disclosures included.
We ship and program your free POS hardware. Menu, inventory, and floor plan migrated from your old system.
A short training session and you're live — accepting cards with your processing cost offset to near zero.
Beyond zero-fee, the day-to-day things that actually matter to a busy operator.
Get your money the next business day — no long holds on your hard-earned sales.
Talk to a person who knows your account and your area — not a queue and a ticket number.
The straight answers operators ask us most.