Infinity Pay | $0 Credit Card Processing for Restaurants & Shops

Q: What's the catch? Why is your rate so much lower?

No catch. We are an ISO with small overhead, focused on small businesses in immigrant communities. We do not spend $50M/year on Super Bowl ads, so we do not need to mark up your processing 3x.

Q: How long does the switch take?

From the moment you say yes, usually 48 hours. We file the application, ship the Clover terminal, and walk you through setup over the phone. Your old terminal keeps working until ours arrives.

Q: How does the $0 processing Cash Discount Program work?

When a customer pays with credit card, a small fee is added as a separate line on the receipt — same way gas stations show different prices for cash vs card. Customers paying cash get a discount. Legal in 47 states, fully Visa/Mastercard compliant when disclosed at the point of sale. You keep 100% of every sale.

Q: Is the free Clover hardware really free?

Yes for any merchant signing within 48 hours of statement audit. We cover the cost of one Clover terminal (Mini, Flex, or Station Duo) plus shipping. No hidden monthly hardware fee. You own it after 18 months of active processing.

Q: Is my money safe? Who is the actual processor?

Funds are processed by Tekcard Payments, a US-licensed payment processor based in Lyndhurst NJ. Infinity Pay is the ISO that manages your account, hardware, and support. Same regulatory protections as Square or Stripe, different markup.

Sound familiar?

Six things every merchant
quietly puts up with — and shouldn't.

If even two of these are happening to you right now, you're already losing money. Here's exactly what we do differently.

~~"Your agent isn't picking up. Try again Monday."~~

We answer. Always. 24/7.

Average response: 4 minutes. Real human, your language — Russian, English, Spanish, Tajik, Uzbek. Phone, text, WhatsApp, Telegram. Saturday rush hour included.

~~"You're using maybe 10% of what your POS can do."~~

Your Clover at 100%.

Employee clock-in, online ordering, branded website, scheduling, inventory, gift cards, loyalty — all set up by us, free. Most merchants leave thousands on the table by not turning these on.

~~"Another chargeback? Yeah, just write it off."~~

We fight your disputes. For you.

Customer claims fraud? We pull the receipt, signature, EMV log, and submit the evidence pack. You stay open. We win 7 out of 10 — Square gives you a form to fill out alone.

~~"How much did we make today? Not sure, ask Jen."~~

Sales on your phone, in real time.

Our Telegram & WhatsApp bots ping you after every batch — total sales, top items, refunds, tips. Ask "what did we do today?" and get a number in 2 seconds. From bed.

~~"They sold us the same package as a hot dog cart."~~

Built for your business. Specifically.

Restaurant, cafe, gas station, salon, dental clinic, auto body shop, grocery store, food truck — each gets a different setup: tax rules, modifiers, floor plans, appointment booking, loyalty. Configured by us, not a stock template.

~~"$1,500 to $3,000 a month — quietly gone."~~

Up to $36,000 a year, back in your pocket.

Half is hidden processor fees we cut. Half is unused POS revenue we turn on (online orders, gift cards, repeat-customer marketing). We show you exactly where every dollar goes — every month, on a 1-page audit.

0% processing

What if you paid $0 in processing fees?

Most restaurants and shops just absorb the 3–4% processing fee — that's $1,500–$3,000 a month gone, every month, forever. We set you up with a Cash Discount Program: the small processing fee shows up on the customer's receipt, not yours. Cash-paying customers get a discount. Card-paying customers pay the listed price + a small fee — fully legal, disclosed at the register, the way gas stations have done it for decades. You keep 100% of every sale.

Old way · Square / Toast / most ISOs

3% – 4%

comes out of your margin · every batch · forever

On $50K/mo volume: − $1,500 – $2,000/mo from your pocket

vs.

Infinity Pay · Cash Discount Program

$0

fee shown on customer's receipt · you keep 100%

On $50K/mo volume: $0 from your pocket

That's $18,000 – $36,000/year staying in your business

Interactive · See your business

Slide your monthly card volume.
See what you're losing right now.

$20K $100K $250K $500K

Your monthly volume: $50,000 / month in card sales

Bleeding every month

−$2,000

at industry-average 4% effective rate

Bleeding every year

−$24,000

12 months · every single batch · gone forever

That's literally

A Tesla Model 3

every year — paid by you instead of your customers.

Your customers won't mind. Gas stations, online retailers, and most counter-service spots in America already do this — there's a small line on the receipt for the credit card fee, and cash payers get a discount. It's normal now. We hand you the signage, the receipt language, the POS config, and the script for your staff. You stop paying. They keep coming.

Stop bleeding · Get free audit

Want to recover $24,000 a year? Phone + business name. We call back today.

No email needed. No long form. Just hit submit and we'll text you within a few hours.

Cash Discount & surcharge programs are legal in 47 states and fully Visa/Mastercard compliant when disclosed at point of sale. We handle the signage, receipt language, and POS configuration for you. Prefer the traditional model? We also offer interchange + 0.5% — the lowest honest rate in the industry. Your call. Either way, you stop bleeding.

Included with every account

No surprise fees. Ever.

Free Clover terminal

Brand-new Clover Mini, Flex, or Station Duo. We ship and set it up. Zero upfront cost.

No monthly fees

No PCI fee, no batch fee, no statement fee, no monthly minimum. You pay processing — that's it.

Live human support

Call or text and a real person picks up — Russian, English, Spanish, Tajik, Uzbek. Not a call center in India.

Dedicated account manager

One person who knows your business. Reachable by phone, text, or Telegram — not a call center.

The hardware

Real Clover terminals. Built for restaurants.

Same trusted POS hardware running in hundreds of thousands of US merchants — shipped free, configured by us. Menu, taxes, printer, employee logins. Live the same day.

Customer using a Clover self-order kiosk in a colorful counter-service restaurant

Real merchant · Real Clover

Self-order kiosk dropping wait times by 40% in counter-service

Clover Station Duo all-in-one POS with cash drawer and receipt printer

Clover Station Duo ~~$1,699~~ FREE

All-in-one countertop POS. Customer-facing screen, cash drawer, and receipt printer.

Clover Mini, Flex handheld, Station, and mobile interface — full POS family

Mini + Mobile bundle ~~$799+~~ FREE

Compact countertop terminal plus handheld for tableside, curbside, and line-busting.

Clover Flex mobile POS handheld with order screen

Clover Flex ~~$599~~ FREE

Mobile handheld POS. Take orders and payment from any table, sidewalk, or food truck.

See full Clover pricing list (2025) →

Not just Clover

We support every major POS — pick what fits your business.

Different businesses need different hardware. Restaurants love Clover. Supermarkets and grocery stores often run Valor or EBS for inventory and weight scales. We configure all of them — so you can pick the right tool, not the one your processor stocks.

Clover

Best for: restaurants, cafes, salons, body shops

Valor POS

Best for: supermarkets, gas stations, retail, c-stores

EBS POS

Best for: grocery stores, large markets, multi-register setups

Already have hardware? We can keep your existing terminal and just switch the processor — no equipment change needed.

Done for you, free

We don't just take your payments.
We get your restaurant ready to grow.

Most processors hand you a terminal and disappear. We're a team of operators — we set up your delivery apps, photograph your menu, and run your back office on day one. Included with every account.

Free

Delivery apps setup

We sign you up, optimize listings, and connect them to your Clover.

+ One unified order screen on your Clover

Free

Professional menu photoshoot

A photographer comes to your business and shoots every dish, ready for delivery apps and Instagram.

30+ menu items
Edited & color-graded
Delivered in 5 days
Yours to keep forever

Free

Full menu & back-office setup

We migrate your entire menu, taxes, modifiers, employee logins, and printer routing. You're live the same day.

Menu & modifier import
Tax & gratuity rules
Employee & manager logins
Kitchen printer routing

Free

Online ordering page

A simple branded ordering page connected to your Clover, so customers can order directly without paying app commissions.

Branded with your logo
Pickup & delivery
Direct to your terminal
0% commission

Free

Live multilingual support

Real humans answer in your language — including evenings, weekends, and during your dinner rush.

English · Spanish
Russian · Tajik · Uzbek
Phone · Text · WhatsApp
Average response: 4 minutes

Free

Monthly statement audit

Every month we email you a 1-page audit showing exactly what you paid, what you saved, and where every cent went.

Plain-English breakdown
No mystery fees
Tax-ready PDF
One number you can trust

How it works

Three steps. 48 hours.

1

Send your statement

Text the first page of your last processor statement to our WhatsApp. PDF or photo, doesn't matter.

2

Free audit in 24 hours

We break down every fee — including the ones hidden in fine print — and tell you exactly how much you'll save.

3

Switch in 48 hours

Want to switch? We onboard you, ship a free Clover terminal, set up delivery apps, and you start saving on the next batch.

What restaurant owners say

Real numbers. Real owners.

1,000+

active merchants

$250M+

processed monthly

4min

avg response time

4.9★

merchant rating

Square was charging us $1,400 a month. Now we're at $580 with Infinity Pay's Cash Discount Program — and our customers don't even notice. Same Clover, way less out of pocket.

A

Aziz K.

Restaurant owner · Brooklyn, NY

What sold me was the call. Their team picked up at 9pm on a Saturday when our terminal froze during peak hour. Try getting that from Toast.

M

Marina V.

Cafe & bakery · Cleveland, OH

Switched from Stripe — now saving $1,200 a month. Russian-speaking team, 2-day onboarding, no hidden fees. Three chargebacks last quarter — they fought all three. Won two.

С

Sergey V.

Auto body shop · Philadelphia, PA

Cash Discount Program changed everything. Customers pay listed price plus a small fee on the receipt — same way every other gas station does it. I went from $2,200/mo in fees to $0. That's a Tesla a year.

H

Hassan A.

Gas station · Queens, NY

We process $80K/month in card payments. Switched from Heartland — saved $1,800/mo. Their team set up our exam-room tablets and patient billing in one afternoon. Real human support, every time.

E

Dr. Elena P.

Dental clinic · Jersey City, NJ

They answered in Spanish every time, set up my Clover with the cash discount program, and connected Uber Eats. I'm saving $980/month. Finally a processor that understands my business.

C

Carlos M.

Grocery & market · Hialeah, FL

Common questions

What people ask before switching.

What's the catch? Why is your rate so much lower?

No catch. We're an ISO with a small overhead, focused on restaurants, shops, and service businesses in immigrant communities. We don't spend $50M/year on Super Bowl ads, so we don't need to mark up your processing 3x to pay for them.

How long does the switch take?

From the moment you say "let's go" — usually 48 hours. We file the application, ship the Clover terminal, and walk you through setup over the phone. Your old terminal keeps working until ours arrives.

How does the "$0 processing" Cash Discount Program work?

When a customer pays with a credit card, a small fee is added as a separate line on the receipt — the same way gas stations show different prices for cash vs. card. Customers paying cash get a discount instead. We handle the signage at your register, the POS receipt language, and the menu/item configuration. It's legal in 47 states, fully Visa/Mastercard compliant when disclosed at the point of sale, and means you keep 100% of every sale. If you'd rather not change anything customer-facing, we also offer the traditional interchange + 0.5% rate — your choice.

Will my customers get angry about the credit card fee?

In our 1,000+ merchants' experience: no. The fee is small (typically 3–4%, capped by Visa rules), it's disclosed clearly with signage at the register, and most customers either don't notice or appreciate the cash discount option. Restaurants and shops have been doing this for years (gas stations even longer). We provide the right signage and train your staff to explain it in 10 seconds.

Is the free Clover hardware really free?

Yes — for any merchant signing within 48 hours of their statement audit. We cover the cost of one Clover terminal (Mini, Flex, or Station Duo, depending on your needs) plus shipping. No hidden monthly hardware fee. You own it after 18 months of active processing.

Do you really set up DoorDash, Uber Eats, and GrubHub for me?

Yes. Our team handles the merchant signups, photo upload, menu pricing, and the integration so all delivery orders show up on your Clover. We also do free professional photoshoots of your menu — about 30 dishes, edited and color-graded.

Is my money safe? Who is the actual processor?

Funds are processed by Tekcard Payments, a US-licensed payment processor (160 Chubb Ave, Lyndhurst NJ). Infinity Pay is the ISO that manages your account, hardware, and support. Same regulatory protections as Square or Stripe — different markup.

Stop overpaying.
Start growing.