Frequently asked questions.

We work with businesses of all sizes and industries — from local restaurants and retail shops to large e-commerce brands and multi-location enterprises. If you accept credit or debit card payments, we can help. Our sweet spot is businesses processing $50K+ per month, where the savings potential is significant.

There's no cost to switch to Infiniti Payments. We cover all setup, equipment, and migration costs. We also handle the entire transition process so there's zero downtime for your business. If your current processor has an early termination fee, we'll review your contract and in many cases can help you navigate around it.

Most businesses are fully set up and processing within 48–72 hours. For complex multi-location setups or custom integrations, it may take 1–2 weeks. We handle everything — hardware configuration, gateway setup, POS integration — so your team doesn't have to lift a finger.

No. We operate on month-to-month agreements. We believe the quality of our service should keep you — not a contract. If we're not delivering value, you're free to leave at any time with no penalties or termination fees.

It depends on your business. We offer a full range of hardware — smart terminals, mobile card readers, full POS systems, and virtual terminals for phone/mail orders. If you already have compatible equipment, we can often reprogram it for our network. All new equipment is provided at no cost with your account.

Most "audits" are just sales pitches in disguise. Our audit is a genuine line-by-line analysis of your processing statement by certified payments professionals. We identify specific interchange misqualifications, hidden markups, and optimization opportunities — and we show you exactly how much you can save, with dollar amounts attached. Even if you don't become a client, the audit is yours to keep.

Dual pricing displays two prices for every item — a card price and a cash price. The cash price is lower because it doesn't include processing fees. This is fully legal and compliant in all 50 states. It's different from surcharging because both prices are clearly displayed upfront. Customers choose their preferred payment method, and businesses offset 100% of their processing costs.

Yes, dual pricing is 100% legal in all 50 states. It's protected under the Dodd-Frank Act and has been upheld in multiple court cases. It's distinct from surcharging (which is restricted in some states) because dual pricing displays both prices transparently — no fees are "added" to the card price.

Customer reaction is overwhelmingly positive — or neutral. In our experience across thousands of locations, fewer than 1% of customers have any negative feedback. Most customers don't even notice or comment. The key is proper signage and transparent presentation, which we handle completely during your setup.

You'll need a dual pricing-enabled terminal or POS system. We provide all equipment at no cost — including terminals, signage, and receipt configuration. Our terminals automatically calculate and display both prices. For existing POS systems, we can often integrate our dual pricing module directly.

Dual pricing can offset 100% of your processing fees. For a business processing $500K per year in card transactions at an average rate of 3%, that's $15,000 per year in savings. For higher-volume businesses, we've seen savings of $50K–$100K+ annually. We'll show you your exact projected savings during your free audit.

Yes. Dual pricing can be implemented for e-commerce through our payment gateway integration. Online checkout displays both card and ACH/bank transfer pricing, giving customers a choice. The implementation is seamless and works with most major e-commerce platforms including Shopify, WooCommerce, and Magento.