Your payments should work for your business. Compare traditional processing and cash discount options with a real person who helps you see the full picture.
For business owners who wantMore choice.Clearer costs.A real person to call.
YOUR BUSINESS. YOUR CHOICE.
Compare your options. Choose what fits.
Your pricing approach should work for your business and your customers. Explore cash discounting and traditional processing side by side before you decide.
CASH DISCOUNT PROGRAM
A lower cash price. Another way to manage costs.
Give customers a lower price for paying cash, with pricing explained up front. Depending on your setup, this can help reduce the card-processing costs your business absorbs.
Customer choiceCustomers can choose the payment option that works for them.
Clear pricingThe card price is displayed up front, with a lower price for cash.
A practical fit checkReview your payment mix, equipment, customer experience, and program costs.
Prefer the same price for cash and card customers? We can review your processing rates, recurring fees, equipment, and service while keeping that familiar checkout experience.
A familiar checkoutYour business pays the processing charges under its merchant agreement.
A complete comparisonLook beyond the advertised rate to the total cost of accepting payments.
Options for your businessDiscuss how you get paid and what your current systems need to support.
Program availability, savings, fees, equipment requirements, and terms vary. Your provider must confirm the right setup, required disclosures, and applicable card-network and legal requirements before you launch. Savings are not guaranteed; other charges may apply.
THE TOOLS TO FIT THE WAY YOU WORK
From QuickBooks Online to a full POS.
Start with what your business needs. We can help you explore a simple payment connection, a complete checkout system, or the right tools in between.
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Connect QuickBooks Online
Explore HYFIN to connect invoice payments with QuickBooks Online and reduce manual payment entry. We’ll review your workflow and compatibility first.
QuickBooks Online · HYFIN02
Send a link. Get paid.
Offer customers a payment link by email or text, or use digital invoices and a virtual terminal for remote payments.
Payment links · Digital invoices03
Take payments at the counter or on the go
Choose smart terminals or mobile readers for in-person payments, from your checkout counter to an event or service visit.
Smart terminals · Mobile readers04
Run more of your business with a full POS
Explore point-of-sale systems for retail or restaurant operations, with options for inventory, reporting and connected checkout.
Retail · Restaurants05
Connect your online checkout
Explore hosted payment pages and shopping-cart integrations. We’ll check your existing website and platform before recommending a setup.
Online payments · Ecommerce06
Simplify repeat payments
Explore recurring billing and ACH options for customers who pay regularly. Availability and configuration depend on the selected solution.
Recurring billing · ACH
LOOK BEYOND THE RATE
A lower headline rate isn’t the whole story.
The right review looks at the way your business actually takes payments, not just one number on a quote.
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Understand the costs
Look at processing charges, recurring fees, and equipment costs together. Compare the total picture before deciding.
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Fit the way you work
Discuss in-person, online, or invoice payments and the systems your team already uses. Identify what needs to work well.
✓
Make an informed move
Review service expectations, equipment, and agreement terms. Potential savings and available options depend on your business.
A SIMPLE START
Less back-and-forth. More clarity.
You don’t need to gather a stack of documents to start.
Share your business type, how you take payments, and your biggest question.
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Review the details
Jim can help identify what information is useful next. If a statement is needed, ask for an appropriate secure way to share it.
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Decide with the facts
Consider your options and the tradeoffs. If your current arrangement fits, that is useful to know too.
A PERSON BEHIND THE PROCESS
Work with Jim Cripps.
Business decisions should start with understanding your goals. Jim brings an owner-focused perspective to the conversation, helping you connect the payment details to the way you run your business.
Jim Cripps Charge Forward Solutions
BEFORE WE TALK
A few common questions.
Could I offset much or all of my card-processing costs?
With the right structure, you may be able to offset much or all of the card-processing costs your business currently absorbs. It depends on the full setup, software and equipment. Each situation is different. Monthly, software, equipment or other fees may still apply. Call Jim at 615-268-5627 to talk through what could work for your business.
What would the right setup look like for my business?
Start with how you get paid, your transaction mix and the checkout experience you want for your customers. Jim can help you compare cash discounting and traditional processing, including the software, equipment and total fees involved. The goal is a practical fit and a clear picture of your costs before you decide.
How do cash discounts, dual pricing and surcharges differ?
A cash discount gives customers a lower price for paying cash. Dual pricing shows cash and card prices up front. A surcharge adds a separate fee for credit-card payment. Each approach has its own requirements. Jim can help you explore the options, with the provider confirming the pricing, disclosures and credit, debit and prepaid-card handling for your setup before launch.
What do I need for a first conversation?
Just tell Jim what your business does, how you accept payments and what you’d like to improve. You can start without a statement. If a detailed comparison would help, Jim can explain what is needed next and how to share it appropriately. Keep cardholder, banking and login details out of an initial email.
Is it worth a conversation if I like my current processor?
Yes. You can like your service and still want to understand your options for the costs you absorb. A conversation can help you compare your current arrangement with other approaches, including any equipment, agreement or transition considerations. You decide what makes sense for your business.
Looking for AI, employer solutions, or business advisory?
Visit Charge Forward Advisors for those services. This page is focused on credit card processing and merchant services.
A CLEARER QUOTE STARTS HERE
Let’s see what could work for you.
Tell Jim about your business and payment needs. Start with a conversation, then arrange secure document sharing if a statement is needed for a closer comparison.
This inquiry form asks for your name, email address, business and payment needs, and an optional callback number. Your inquiry is sent to jim@chargeforwardsolutions.com so Jim can respond. Our website hosting and email providers process the message to deliver it. Do not submit cardholder details, bank/account information, login credentials, or statements through this form. Ask Jim for an appropriate secure sharing method if documents are needed.
