ORBIS SYSTEMS
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Know your
payment options.

Compare processing options and plan the programs your store needs, with the costs and requirements in one place.

Discuss your setup

Choose how you price.

Your payment model and your software plan are separate decisions.

Traditional processing

One listed price.

Your business pays its agreed processing charges. Compare the rate, transaction fees and any monthly charges in your quote.

Cash discount

A lower price for cash.

A genuine cash discount reduces the standard advertised price. Adding a fee to a posted cash price is not the same arrangement.

Dual pricing

Both prices, up front.

Clearly show cash and card prices before payment. Price displays, receipts and the payment configuration must meet applicable requirements.

“0% processing.”
What’s behind the number?

A pricing program may offset eligible processing charges your business pays. The cost does not disappear.

Software, equipment, monthly fees and other charges can still apply. Eligibility and savings depend on your location, payment mix and approved terms.

Get the pricing model and all applicable charges in writing before you decide.

Compare a written quote
Cash discounts and surcharges are different

A credit-card surcharge is an additional fee, not a cash discount. Visa rules prohibit surcharges on Visa debit and prepaid cards. Credit-card surcharges have disclosure and limit requirements, and state requirements can be stricter. Use your processor’s approved configuration rather than adding a blanket percentage to every payment.

For New York stores, show the applicable total card price before the sale. A sign announcing an extra percentage is not a substitute for compliant price displays.

Review Visa’s surcharge FAQ and New York’s price-display guidance with your processor.

SNAP EBT, OTC & WIC.

Check which programs your store can participate in, which items qualify and what you need at checkout.

SNAP EBT

Shoppers can buy eligible food at USDA-authorized stores. Check your EBT connection, eligible items, split payments and receipts before activation.

SNAP retailer requirements

OTC benefit cards

Over-the-counter benefits depend on the shopper’s plan, the participating store network and the items being purchased. We’ll review the network your customers use and the items it covers.

WIC

Confirm vendor authorization with the WIC agency serving your store. Review its approved food list, stocking rules and checkout requirements.

WIC retailer information

Pay in 4 & financing.

Options depend on the provider, your store’s setup and approval for the shopper and purchase.

Pay in 4

Some Pay in 4 offers split an eligible purchase into four interest-free payments. Review the provider’s payment schedule and any fees.

Longer-term financing

Some providers offer monthly installments for qualifying purchases. Interest, fees or a down payment may apply. Review the provider’s APR and total repayment cost.

Learn about installment plans

Age & ID checks.

Age-check requirements depend on the product and location.

ID checks for restricted items

Confirm any register prompts or ID scanning with us before relying on them. Your staff is responsible for checking ID and refusing prohibited sales.

FDA tobacco retail guidance

Know what’s ready
before you switch.

Program enrollment, supported hardware and pricing belong in your setup plan.

  1. Confirm eligibility.Store type, location, required authorizations and provider approval.
  2. Confirm the connection.Processor, terminal, software workflow and any separate integration.
  3. Review the full cost.Processing, equipment, software, setup and other applicable charges.
  4. Test the checkout.Staff training, price displays, receipts and approved tender types.

Let’s look at your store.

Tell us what you sell and which payment programs matter to your customers.

Talk to Orbis Compare software plans