Free sign-up.Free monthly.Free terminal.
Liquor stores, nail salons, pizza shops and cafés: we pay your sign-up, your monthly service fee and your terminal. Every tag shows a cash price and a card price 3.75% higher. That difference pays the card processing, so you keep the whole sale.
We pay your monthly service fee (about $20 to $30) and your terminal, one per location. Card processing is paid by the card price difference. Per-event fees such as chargebacks apply. What you pay
Sign-up, monthly service and terminal: we pay for them.
$0
Sign-up
No application or setup fee. We go over your numbers with you before you sign anything.
$0
A month
We pay your monthly service fee, about $20 to $30, every month.
$0
Terminal
Pick any of our eight and we buy it. It ships set up and ready, and it’s yours to keep, even if you leave.
From the shelf to the terminal
Every tag shows two prices.
Cash on top, card right under it, both the same size. Customers see both before they pay. That’s a cash discount, done right.
Cash pays the cash price.
$24.99 in cash is $24.99 in your drawer. Same as today.
Card pays the card price.
Tap, chip or swipe: the terminal charges the card price from the tag, $25.93.
That difference pays the card fees.
The $0.94 pays the card processing, so the sale leaves you the full cash price.
What are card fees costing you right now?
Slide in your own numbers. On $35,000 a month in cards, Square’s published rate takes about $1,035.
Today, card fees take about
$1,035
a month, or $12,420 a year.
With a cash discount, card customers pay the posted card price, 3.75% above cash. That difference pays the card processing, so a card sale leaves you the same as a cash sale. Every rate is in your agreement before you sign, and Paymantis pays your monthly service fee.
Where the money comes from: card customers pay the card price on the tag, 3.75% above the cash price. On $35,000 of card sales at your cash prices, that adds up to about $1,313, which pays the processing cost. This is an example using the published rate you picked, not a quote. Your result depends on your card volume, card mix, how many customers switch to cash, and the program’s final pricing.
Published in-person rates we compared (checked October 2026)
| Provider | Rate per card sale | On a $100 sale |
|---|---|---|
| Square | 2.6% + 15¢ | $2.75 |
| Stripe Terminal | 2.7% + 5¢ | $2.75 |
| Clover | about 2.6% + 10¢ (set by the reseller) | about $2.70 |
| Vagaro | 2.6% + 10¢ (2.29% + 19¢ over $4,000 a month) | $2.70 |
| GlossGenius | 2.6% | $2.60 |
| Booksy | 2.49% + 10¢ | $2.59 |
| Fresha | 2.29% + 20¢ | $2.49 |
Pick any terminal. We pay for it.
Eight current Valor models, set up for cash discount before they ship. Yours to keep, even if you leave.
Countertop
VL100 Pro
The simple one for the counter.
Choose this one
Countertop with customer screen
VP800
Your customer sees both prices on their own screen.
Choose this one
Countertop
VP100
Countertop that also takes EBT.
Choose this one
Wireless handheld
VL110
Walk it to the station. Tip on the screen.
Choose this one
Android handheld
VP550
Bigger screen for tips and signatures.
Choose this one
Light Android handheld
VP550E
Light, no paper. Receipts by text or email.
Choose this one
Android handheld, newest
VPT10W
Valor’s newest handheld, with a cash discount guide.
Choose this one
PIN pad
VL300
Adds card payments to the register you already have.
Choose this one
Made for the shop you run.
Liquor stores
Big tickets, thin margins, lots of cards. A countertop by the register, or one whose customer screen shows both prices.
For liquor storesNail salons
Clients pay at the station and tip on the screen. A wireless handheld walks to the chair and splits the bill.
For nail salonsPizza, cafés and delis
Slices, lattes and lunch at the counter. Both prices on the menu board, tips on the screen.
For pizza shops and cafésFrom first call to first sale.
Tell us about your shop
Two minutes online: your shop, your card sales and the terminal you want. No Social Security or bank numbers.
We call, you sign
We go over your numbers on the phone, then you get the application to sign online.
Start taking cards
Your terminal arrives set up for cash discount, with signs for the door and the counter. We walk you through the first day.
Who you’re working with.
Paymantis is an independent merchant services agent for liquor stores, nail salons, pizza shops and cafés. We set up cash discount card processing, program and ship your terminal, and stay on call after you go live. Your sales are deposited straight to your bank account. We’ve worked with independent shops since 2021.
- Your agreement, rates and every fee in writing before you sign.
- Both prices on every tag, the same size, worded for your state’s rules.
- Set up so the register charges the posted price: no fee line on the receipt.
- We never ask for card numbers, and never for your Social Security or bank numbers on this site.
Questions shop owners ask.
Is a cash discount program legal?
In every state we checked, yes, when it’s done this way: every tag shows both the cash price and the card price before the customer pays, and nothing is added at the register. New York calls this “two-tier pricing” and allows it, but caps the gap at what card processing costs you, so we set New York card prices to fit your rate. Puerto Rico’s law doesn’t address two posted prices, so get local advice there. What isn’t allowed in some states is posting only the cash price and adding a fee at the register, so we never set it up that way. Debit is charged the card price on the tag, never an extra fee. Rules differ by state and city, so check the laws where your shop is before you start. This is general information, not legal advice.
Will my customers be upset?
Cash customers pay exactly what they pay today. Card customers see the card price on the tag before they pay, so nothing is a surprise at the register. Signs at the door and the counter explain it, worded for your state.
What do I actually pay?
Nothing to sign up, no monthly service fee and nothing for the terminal. We pay your monthly service fee every month and buy the terminal you pick; you keep it even if you leave. Card processing is paid by the card price difference, so you keep your full cash price. Per-event fees such as chargebacks still apply. Every rate and fee is in your agreement before you sign.
Is there a contract?
Yes, a standard merchant agreement. We go through its length and any cancellation fee with you, in writing, before you sign anything.
Who is Paymantis?
Paymantis is an independent merchant services agent for independent businesses: liquor stores, nail salons, pizza shops, cafés and the like. We set up your card processing with cash discount pricing, program and ship your terminal, and support you after you go live. We’ve worked with independent shops since 2021.
How can it all be free?
Our processing partner pays us from its revenue on your account, not from you. That’s how we cover your sign-up, your monthly service fee and your terminal.
How fast do I get paid?
Card sales are deposited straight into your bank account by our processing partner. Deposit timing is set in your agreement, and we tell you before you sign. Your money never passes through us.
I’m a nail salon on a booking app. Does this work for me?
Yes, if your clients pay at the station or the desk on a terminal. Your booking app keeps doing bookings. Splitting tips between technicians stays in your payroll or booking app.
Do you work with restaurants?
Yes, with pizza shops, cafés, delis and small restaurants whose register lets them pick their own card processor, or that take cards on a terminal at the counter. Toast and Square only run their own payments, so those aren’t a fit.
More answers: what a cash discount program is, cash discount vs surcharge, the laws in your state, whether zero-fee processing is real, the New York rules and all guides.
Let’s get your shop set up free.
Two minutes, no Social Security number, no bank details. We look at your shop and call you back with the real numbers.