Pay less | Accept more | Move faster
Keep more of
every sale.
Modern Processing helps New Jersey business owners cut — or completely eliminate — what they pay to accept cards. Send us last month's statement and we'll show you exactly what you're being charged, in plain English, within one business day.
SALE TOTAL
$142.00
APPROVED
Your monthly fees
$1,281 → $0.00
Cash Discount Program
What changes for your business
Eliminate your processing fees
With the Cash Discount Program, the cost of accepting cards moves to the card-paying customer through a clearly posted, fully disclosed adjustment — never more than our cost to accept cards, as New Jersey law requires. Cash customers pay the listed price. Most owners go from hundreds a month to zero.
Local, in-person support
You get a person, not a call center. We install your equipment ourselves, train your staff at your counter, and come back out if something goes wrong. Same phone number every time you call.
Brand new POS and terminals
Modern countertop terminals, mobile readers and full point-of-sale systems — matched to how your business actually runs. Accept cards, Apple Pay and Google Pay in store, online or on the go.
Find the hidden fees you're paying
Most statements bury a dozen line items that have nothing to do with interchange. We read yours line by line and hand you a one-page breakdown of your true effective rate — free, whether or not you ever switch.
60-second estimate
See what you'd keep
Move the slider to roughly what you run in cards each month. No email, no phone number — just the math.
You're likely paying
$1,050 – $1,200 / month
You'd keep, every year
$12,600 – $14,400
That's $1,050 – $1,200 a month back in the business.
Estimate only, based on a typical 3.5%–4% effective rate. Your real rate depends on your card mix, ticket size and current agreement — which is what the free statement review tells you. A small monthly program or equipment fee may apply depending on the setup you choose.
Page 3 of your statement
The fees nobody explains to you
Interchange is set by Visa and Mastercard and every processor pays the same rate. Everything on top of it is a choice your processor made — and a lot of it carries official-sounding names that aren't official at all.
A “Regulatory Product Fee” isn't a regulation. A “PCI Non-Compliance Fee” usually means nobody ever walked you through a form that takes ten minutes. We'll show you which of these are on your statement and what each one actually costs you per year.
Show me what I'm payingTypical “other fees” section
Illustrative example of line items commonly found on merchant statements. Your actual fees depend on your processor, volume and card mix.
How the review works
Three steps, no meeting required, and nothing to sign to find out where you stand.
Step 01
Send one statement
Upload last month's processing statement below, or just text a photo of it. A phone snapshot of every page is fine — we only need the totals and the fee detail.
Step 02
Get your numbers back in 24 hours
You'll get a one-page side-by-side: your true effective rate today, every fee you're being charged, and what you'd pay on both the Cash Discount and lower-fee traditional programs.
Step 03
Decide with real numbers
If switching saves you money, we handle the paperwork, bring the equipment out and set it up in person. If you're already getting a good rate, we'll tell you that and leave you alone.
Free · No obligation
See what your current processor is costing you
Send a recent processing statement and get a precise, line-by-line quote within one business day.
- Transparent pricing. You see the interchange, the markup and every fee, separated out.
- Fast onboarding. Most businesses are approved and running on new equipment inside a week.
- Dedicated local support. One person who knows your account and shows up in person.
Send a photo of your statement to that number and we'll take it from there. Fastest way to get your numbers back.
Request your free review
Takes about 40 seconds.
That didn't go through.
Something went wrong on our end — not your fault. The fastest way to get your numbers is to text or call:
Got it — thank you.
We'll review your statement and get back to you within one business day. If it's urgent, just call or text.
Straight answers
Is it legal to charge customers a card fee in New Jersey?
Yes, within limits. New Jersey allows it as long as the amount never exceeds your actual cost to accept the card and it's clearly disclosed before the sale — signs at the entrance and the register, a line on menus, and notice on receipts and online checkouts. We set up the compliant signage and receipt language as part of the install, and we'll walk you through what has to be posted where.
Won't my customers be upset?
It's the first question every owner asks, and it's the right one. Two things: how it's disclosed matters enormously, and the Cash Discount Program isn't your only option. There's also a traditional plan where you absorb a much lower fee and nothing about the customer's experience changes. We'll price out both and you pick.
What does the review cost, and what's the catch?
Nothing, and there isn't one. We only get paid if you switch and the numbers actually work in your favor. If your current processor is already giving you a good rate, we'll tell you so — that's a faster answer for both of us than trying to talk you into something.
I'm already in a contract with someone else.
Common, and worth reviewing anyway. Early termination fees are often smaller than owners assume, and in some cases we can help offset them. Even if the timing's wrong today, you'll know your real numbers for the day the contract ends.
How long does switching take?
Most businesses are approved within a couple of days and live on new equipment inside a week. We bring the terminal or POS out, set it up, run test transactions with you and train whoever is on the register.