Payment processing for small businesses
Legacy Payments sets your business up on Clover POS with wholesale interchange-plus pricing — the rate structure big merchants get, without the big-merchant volume. Most businesses we review save 20–30% on processing costs.
What we actually do
Clover builds the point-of-sale. We're the payments partner that puts it on your counter — and prices your processing at wholesale instead of retail. Same technology as the big-name providers, without their markup.
Interchange-plus means you pay the true wholesale card cost plus one small, fixed markup — visible on every statement. No tiers, no bundled rates, no surprises. That's the pricing structure flat-rate providers are built to avoid showing you.
Countertop stations, handhelds, kitchen displays, virtual terminal — we configure the right Clover devices and software for how your business actually runs, whatever you sell and wherever you sell it.
Automated daily batching with next-business-day deposits into the bank account you already have. PCI-DSS compliant, end-to-end encrypted, with a real person to call when you need one — not a ticket queue.
The math
Flat-rate providers charge the same high rate on every card, every time. The more you sell, the more they overcollect. Set your monthly card volume and roughly what an average sale looks like at your business.
Restaurants, salons, everyday retail
Illustrative estimate assuming a $40 average sale and typical 20–30% savings seen in statement reviews. Your exact savings depend on your card mix and current pricing — which is precisely what the free review shows you.
The hardware
Clover hardware is identical no matter who sets you up — what changes is the pricing and the service attached to it. Tell us what you run and we'll show the setup we'd start from.
A starting point, not a quote — in your review we confirm the fit before anything ships.
Customer-facing screen speeds up checkout and tips.
Full countertop POS with a customer-facing screen — built for the front counter that runs everything.
The full-size register on a single large touchscreen — power without the second display.
Compact countertop POS that does nearly everything the Station does, in a fraction of the space.
Handheld for tableside orders, line-busting, curbside, and anywhere your counter isn't.
Orders straight from the register to the kitchen screen — no tickets lost, no handwriting decoded.
Take payments over the phone, by invoice, or online from any browser — no device required.
Space-saving countertop payment terminal with a built-in PIN pad — tap, dip, and swipe without giving up counter space.
Self-ordering station your customers use themselves — shorter lines and bigger average tickets, built for quick service.
How it works
Pick a time that works. Bring a recent processing statement — that's the only homework. No statement handy? We'll show you how to pull one in two minutes.
We break your statement down to the actual wholesale cost, show our markup next to what you're paying now, and give you the exact monthly difference. If we can't beat your current deal, we'll tell you that too.
Say yes and we handle setup: Clover devices shipped and configured, your menu, catalog, or service list loaded, deposits flowing to your existing bank account — usually within days, not weeks.
Who it's for
We work with independent businesses where the person deciding on payments is the person paying for them. Find yours.
Table management, kitchen displays, online ordering, and tip reporting on Clover — whether you run a dining room, a counter, a taproom, or a truck. Delivery-only kitchen? We'll set you up to take every order online, no counter terminal needed.
Book your pricing reviewInventory, barcode scanning, and fast checkout for the counter. And if your tickets run large — like jewelry — that's where interchange-plus saves the most: flat-rate fees hurt worst on big sales.
Book your pricing reviewAppointments, card-on-file, and recurring billing for memberships — plus handheld terminals that go where the work is, so mobile crews can take card payments right at the job site.
Book your pricing reviewFront-desk checkout, invoicing, and phone or online payments through the virtual terminal — with the clean month-end reporting your office manager will thank you for.
Book your pricing reviewQuestions, answered straight
Every card transaction has a wholesale cost set by the card networks, called interchange. Interchange-plus means you pay that true cost, plus one small fixed markup from us — both shown separately on your statement. Flat-rate providers blend everything into one high rate and keep the difference.
It depends on your volume, average ticket, and current provider — which is why we review your real statement instead of quoting a number blind. Businesses switching from flat-rate or tiered pricing typically see 20–30% lower processing costs. The review shows your exact figure before you commit to anything.
Daily transactions are batched automatically, and most deposits reach your bank account the next business day. Weekend and holiday transactions arrive the following business day.
No. Deposits go to the account you already use — personal accounts work for sole proprietors, business accounts for incorporated companies and partnerships.
Clover covers the large majority of small-business workflows, and most owners find it matches or beats what they're on. In the review we'll map your current setup feature-for-feature so you can see exactly what changes — and what doesn't — before deciding.
A few industries can't be underwritten for standard card processing — cannabis and CBD, firearms, gambling, adult entertainment, and money services among them. If you're unsure whether your business qualifies, mention it when you book and you'll have a straight answer before the meeting.
We look at your statement together, show the wholesale cost versus what you're paying, and give you a side-by-side comparison. No pressure, no obligation — if the numbers don't work in your favor, you'll know in 30 minutes instead of wondering.
Book your review
Pick a time below. Have a recent processing statement nearby — it's the fastest way to see exactly what you'd save.
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