Payment Processing
Free Payment Terminals
for Your Business
Most businesses overpay hundreds per month — we fix that.
- Free terminal hardware for qualifying accounts — keep it, no rental fees
- Cash Discount Program: drop your processing cost to $0
- Lower interchange-plus rates vs. Square, Stripe & PayPal
- Next-day funding · Month-to-month · No early termination fees
No cost · No obligation · Results in 24 hours
Featured Program
Cash Discount Program —
Pay 0% for Processing
Most businesses eliminate processing fees completely.
Customers paying by card see a small service fee at checkout. Cash customers pay the listed price. Your processing cost: zero.
Price tags stay the same
Your listed price is the "cash price." Nothing changes for your cash customers — they pay what's on the tag.
Card customers see a service fee
When a card is presented, the terminal automatically adds a small non-cash service fee (typically 3–4%). It appears on the receipt and is disclosed with in-store signage — fully compliant with Visa/Mastercard rules.
Your processing cost = $0
The service fee covers the interchange and processor cost. Your net processing expense drops to zero. We handle the terminal configuration, signage kit, and compliance setup.
Who benefits most from Cash Discount?
Businesses where customers expect to pay (not comparison shopping on price) — restaurants, auto repair, salons, medical offices, and service businesses. Retail works too, especially when average ticket is under $50. We will tell you honestly if your customer mix makes CDP a poor fit.
Hardware
Terminal & POS Lineup
Free terminal placement for qualifying accounts. Choose based on your volume and workflow.
Traditional countertop payment terminals for fixed-location checkout.
Valor VP500
Android HandheldPortable Android POS with 5" touchscreen, built-in thermal printer, and full EMV/NFC support. Pay-at-table and signature capture built in. 4G, WiFi, and Bluetooth connectivity.
- EMV + NFC + Magstripe · PCI PTS 6.x
- 5" Touchscreen · Signature Capture
- 4G / WiFi / Bluetooth
- Built-in 58mm Thermal Printer
Best for
Restaurants (pay-at-table), mobile service businesses, and any counter needing a handheld Android POS with receipt printing.
Valor VP550E
Eco Android POSEco-friendly Android 12 POS with 5" touchscreen, 5G/4G connectivity, and 3600mAh battery. Supports Cash Discounting, Dual Pricing, and Surcharging out of the box.
- EMV + NFC · Tap / Insert / Swipe
- 5" Touchscreen · Signature Capture
- 5G / 4G / WiFi / Bluetooth
- Cash Discount · Dual Pricing · Surcharging
Best for
Retail and service businesses wanting a modern eco-friendly Android POS with flexible pricing program support.
Roc Terminal+ N950
Full POS · HandheldA full POS system in a handheld form factor. 5.99" touchscreen, EMV + NFC, 4G + WiFi, light inventory management, and real-time reporting — optimized for fast checkouts with minimal clutter.
- EMV + NFC · PCI PTS 6.x · Apple/Google Pay
- 5.99" Touchscreen · Signature Capture
- 4G / WiFi (2.4G & 5G) / Bluetooth 5.0
- Inventory Management · Real-time Reporting
Best for
Businesses wanting a full POS experience in a compact handheld — retail, restaurants, and service counters.
Dejavoo QD4
Android SmartAndroid-based smart terminal with 5.5" HD touchscreen, EMV and NFC contactless built-in, remote key injection, and surcharge capability. Quad-core processor with WiFi and Ethernet.
- EMV + NFC Contactless
- 5.5" HD Color Touchscreen
- WiFi + Ethernet + USB
- Surcharge Capability · Remote Key Injection
Best for
Businesses wanting a smart countertop terminal with app flexibility — retail, dining, and service industries.
Dejavoo Z8 & Z11
Dual-CommCountertop terminals with EMV and NFC built-in, dual-comm (Ethernet + WiFi), and support for Apple Pay, Samsung Pay, and Google Wallet. Easy-access Favorites menu and one-touch support callback.
- EMV + NFC + Apple/Google/Samsung Pay
- Dual-Comm: Ethernet + WiFi
- Z8: 2.4" / Z11: 3.5" Color LCD
- Remote Key Injection · PCI PTS
Best for
Every business needing a reliable countertop terminal with contactless payments and a simple, intuitive interface.
First Data FD150
All-in-OneAll-in-one countertop terminal with EMV, magstripe, and NFC acceptance. Intuitive touchscreen display, SSL encryption, and quick drop-in paper loading. Upgraded to PCI 5.0.
- EMV + Magstripe + NFC
- Touchscreen Color Display
- WiFi + Ethernet + Dial-up
- SSL Encryption · PCI 5.0
Best for
Businesses needing a reliable, high-performance countertop terminal for fast, secure transactions.
Valor VL100
Countertop POSCountertop POS with 3.5" color touchscreen, signature capture, and full connectivity. Triple-track bi-directional magstripe reader with EMV and NFC support.
- EMV + NFC + Magstripe
- 3.5" Color Touchscreen
- Ethernet + WiFi
- Signature Capture
Best for
Service businesses and retail needing a compact countertop solution with signature capture.
Free terminal placement subject to processing volume qualification. Hardware remains fee-free while you process with our partner.
Not Sure Which Terminal?
Tell us your business — we'll pick the right fit
Restaurant, retail, mobile, or high-volume — every business has different needs. We match you with the best terminal for your workflow and processing volume at no cost.
Countertop
VP500 / VP550 / FD150
Low to mid volume, fixed checkout
Smart POS
Clover Mini / Station
Full POS with apps & inventory
Mobile
Clover Flex / Poynt 5
Tableside, delivery, on-the-go
Why Businesses Switch to Fibi
Most processors are set-it-and-forget-it.
We're not.
Free hardware, no hidden fees
Qualifying accounts get a terminal at no cost — no rental, no lease. You keep the hardware while you process with our partner.
Cash Discount = $0 processing
We configure your terminal for a compliant Cash Discount Program. Card customers see a small service fee. Your net processing cost: zero.
Proactive annual rate reviews
We check your effective rate every year. If your volume has grown or better pricing exists, we renegotiate on your behalf — without you asking.
No lock-in, month-to-month
No early termination fees. No multi-year contracts. We keep clients by delivering results, not by trapping them in an agreement.
No cost · No obligation · Results in 24 hours
Why Fibi
What you get beyond the rate
Annual Rate Review
We review your effective rate every year. If your volume has grown or better pricing is available, we renegotiate on your behalf — proactively, without you having to ask.
No Long-Term Contracts
Month-to-month agreements. No early termination fees, no lock-in. If you ever want to leave, you can. We keep clients by being good, not by trapping them.
Next-Day Funding
Funds from card transactions settle to your bank account the next business day. No waiting 2–3 days to access your money.
Free Terminal Placement
Qualifying accounts receive terminal hardware at no cost. No rental fees. The terminal is yours to keep while you process with our partner.
Switch & Save
What switching from Square, Stripe, or PayPal looks like
Estimated monthly processing costs at different volumes (assumes avg. 100 transactions/month per $10k in volume).
We use interchange-plus pricing— you pay the true network rate plus a fixed markup, not a blended flat rate. That's why our numbers are lower.
Rates from squareup.com/pricing, stripe.com/pricing, paypal.com/us/business/paypal-business-fees as of April 2026.
$5k/mo volume
~$20–$25/mo
$240–$300/yr saved
vs. Square / Stripe standard rate
$20k/mo volume
~$80–$100/mo
$960–$1,200/yr saved
vs. Square / Stripe standard rate
$50k/mo volume
~$200–$225/mo
$2,400–$2,700/yr saved
vs. Square / Stripe standard rate
“Restaurant in North Hollywood saved significant monthly savings switching from PayPal.”
~$18k/month volume. Switched to Cash Discount Program in 9 days. Terminal replaced at no cost.
Anonymous client · Based on actual outcome
*Estimates use published standard rates. Cash Discount saves full processing cost. Actual savings depend on card mix and transaction count. Based on avg. client outcomes.
Client Results
Real savings from real businesses
Anonymous case studies based on actual client outcomes.
Restaurant Group
5 locations · Los Angeles
“We had no idea Square was costing us that much across five locations. Cash Discount was a no-brainer.”
Terminal: VP800 · tip-adjust workflow
Timeline: Live in 14 days
Retail Boutique
1 location · North Hollywood
“The free terminal and lower rate made this an obvious switch. Onboarding was faster than I expected.”
Terminal: VP550 · free placement
Timeline: Live in 8 days
Medical Practice
3 locations · Southern California
“Next-day funding made a real difference for our cash flow. And the RCKT terminals work great for patient checkout.”
Terminal: RCKT · patient checkout
Funding: Next-day settlement
*Anonymous case studies. Client details generalized to protect privacy. Based on actual outcomes.
Industries
Built for your business type
Restaurants & QSR
- Tableside payment (RCKT terminal)
- Tip-adjust workflow built in
- Kitchen display integration
- Split-check & bar tab management
Retail & Boutiques
- Inventory-integrated POS options
- Buy-now-pay-later support
- Multi-register & multi-location
- Contactless & Apple/Google Pay
Healthcare & Medical
- HSA / FSA card acceptance
- HIPAA-compliant processing
- Patient portal billing
- EHR system integration options
Auto Service & Repair
- High-ticket card acceptance
- Text-to-pay for remote invoicing
- Service bay wireless terminals
- Level 2 B2B card processing
The Fibi Advantage
Going direct vs. through Fibi
FAQ
Common questions
Start Saving This Month
You could be paying less — or nothing — by next month.
- Free rate comparison against your current processor
- Free terminal for qualifying accounts — no rental fees
- Live in as little as 7–14 business days
Takes 2 minutes. No obligation. We call you.