Equipment at no upfront cost, with terms you can read
Terminals and POS hardware included with a qualifying processing agreement, outright purchase if you'd rather own it, or reprogramming of compatible equipment you already have.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Three ways to get equipped
Included with a qualifying agreement. Many partner programs place a terminal or POS at no upfront cost when you sign a processing agreement that meets their requirements. The equipment usually stays the processor's property while you process with them.
Buy it. You own the hardware outright, which can pair with lower-cost processing. Reprogram it. If your current terminal isn't locked to another provider, we may be able to reprogram it. What we generally avoid: long, non-cancelable equipment leases that cost far more than the device is worth.
- No upfront cost requires a qualifying processing agreement
- Equipment terms shown in writing before you sign
- Return or buyout terms explained up front
- Purchase options for owners who prefer to own
- Reprogramming checked by make and model
Equipment we can place
Generic categories. Specific models depend on the program.
Countertop terminals
Chip, tap and swipe with a built-in printer.
Wireless and cellular
Pay-at-table, curbside and field service.
Smart terminals
Touchscreen units with tipping, simple items and receipts.
POS stations
Counter stations with cash drawer, printer and customer display.
Mobile readers
Phone- or tablet-based readers for events and service calls.
Virtual terminal
Take keyed payments from any browser.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
What makes an agreement 'qualifying'?
Each processor sets its own requirements, such as minimum volume, business type or agreement term. We'll tell you which programs you qualify for before you apply.
What if I close or switch?
Under most included-equipment programs you return the equipment. Some agreements have an early termination fee. All of this is in writing before you sign.
Do you offer leases?
We generally don't recommend non-cancelable equipment leases. If financing makes sense for a larger POS install, we'll walk you through the total cost first.
More services
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.