Payments · POS · Real Support

Payments that move at the speed of your business.

Elite Pay pairs modern point-of-sale systems with transparent pricing and a real rep who answers the phone. No contracts. No surprises. No junk fees.

Get My Free Rate Review Explore POS Systems

0% processing with dual pricing

No contracts — month-to-month, always

Transparent pricing — you always know your rate

Dual pricing Both prices shown

Cash Price is 4% lower than Card Price.
Pay with cash and save!

ItemCashCard

Lunch special$11.00$11.44

Iced tea$3.00$3.12

Subtotal$14.00$14.56

Tax$1.00$1.04

Cash Price$15.00

Non-Cash Price$15.60

Cash discount You keep it

Lunch special$11.44

Iced tea$3.12

Subtotal$14.56

Tax$1.04

Total$15.60

Cash discount (4%)−$0.60

Cash Total$15.00

Accept every major card & wallet VisaMastercardAmerican ExpressDiscoverApple PayGoogle Pay

Three ways in

Tell us who you are.

I own a business

Better payments, POS, and a website

Lower your processing costs with 0% dual pricing, get the right POS installed, and give your business a site that sells. Start with a free rate review.

Get Started

I want to sell

Build your portfolio and your residuals

Join the Elite Pay agent team. Modern POS to sell, training and tools to close, and residuals paid every month your merchants process.

Agent Portal

I'm already a client

Log in or get help

Your iAccess and POS logins, support lines for Elite Pay and every system we place, and the guides that keep your account running clean.

Merchant Portal

Solutions

Everything you need to take a payment.

One partner for in-store, online, and on-the-go — all reporting into a single dashboard.

Merchant Services

Accept every card and digital wallet with interchange-plus or dual pricing. Month-to-month, no junk fees.

Learn more

Invoicing & Recurring

Send branded invoices and set up recurring billing for memberships and subscriptions.

Learn more

Mobile Payments

Take payments anywhere with a phone or handheld reader — built for trucks and field service.

Learn more

Payment Gateway

Sell online with a secure hosted checkout, virtual terminal, and developer-friendly APIs.

Learn more

Gift & Loyalty

Keep customers coming back with branded gift cards and points-based loyalty programs.

Learn more

Business Funding

Fast working-capital advances based on your processing volume — funds in days, not weeks.

Learn more

Point of Sale

The right POS for the way you sell.

Clover, Square, Dejavoo, Figure, SwipeSimple, Material, Union, OctoPOS, and more — matched to your business, installed and supported by your rep.

Clover

The all-in-one family: countertop, compact, and handheld. Best for restaurants, retail, and service businesses that want one system for everything.

Square

Fast to set up, easy to run. Best for retail, quick service, and owners who want a built-in online store.

Figure

Restaurant-first POS with tableside ordering, kitchen display, and online ordering. Best for full-service dining.

Material

Inventory with variants, loyalty, and Shopify and QuickBooks sync on an iPad. Best for boutiques and independent retail.

Union

Built for high-volume bars and nightlife: fast tabs, pre-auth, and Order & Pay at the rail.

OctoPOS

Dual-screen register with integrated scales and inventory. Best for grocery stores, markets, and delis.

Dejavoo

Payment terminals with dual pricing built in. Best for shops that just need to take cards, reliably.

SwipeSimple

Card reader, app, virtual terminal, and invoicing. Best for trades and anyone who sells away from a counter.

Not sure which fits? Compare every system or let your rep match you.

Why Elite Pay

A rep who picks up beats a call center.

No long-term contracts

Month-to-month. Stay because it works, not because you're locked in.

Hardware can be on us

Process $15,000+ a month and qualifying businesses get their hardware placed at no upfront cost — no lease, no contract.

A website included

Menu, hours, and ordering links on a simple site your rep builds and publishes for you.

Transparent pricing

Interchange-plus or true 0% dual pricing. You'll always know your rate.

A real rep, not a call center

One person who knows your business — in person where we're local, a phone call away everywhere else.

PCI compliance help

Call (877) 276-9929 or register through iAccess. Your rep walks you through it.

About Elite Pay

Freedom Over Fear

Elite Pay pairs modern point-of-sale with something rarer in payments: a person who keeps showing up after the install. We believe recurring revenue should change what work means — for the family-run businesses we serve and for the agents we train.

That's why the promise reads the way it does: no contracts, no leases, no gotchas — straight answers on savings, fees, and equipment, installs led in person, and problems that get seen, owned, and resolved.

How we grow

Serve one merchant well.

Earn the referral. Link the relationship. Serve the next merchant well. That loop is how Elite Pay grows.

Freedom. Relationships. Systems. Residual wealth. — The Elite Pay Playbook

Areas we serve

Nationwide reach. Triad roots.

Elite Pay serves businesses nationwide through our growing representative network, with a strong local presence throughout North Carolina's Triad.

High PointGreensboroWinston-SalemLexingtonThomasvilleArchdaleKernersville

Somewhere else? Our rep network is growing every month — tell us where you are.

Industries

Built for your business.

Restaurants & Bars Retail & Specialty Trades & Home Services Salon & Spa Medical & Dental Liquor & Markets Professional Services Mobile & Food Trucks

Pricing

Straightforward, either way.

Two clear models. Your rep helps you pick the one that keeps the most money in your pocket.

Interchange-Plus

Cost+ flat markup

Wholesale cost plus one small, fixed markup — quoted line-by-line on your free rate review.

See true interchange on every statement
Best for higher-volume merchants
Detailed monthly reporting

Get a quote

Dual Pricing

0% processing

Offer a cash price and a card price — eliminate your processing fees.

Keep 100% of your sale
Signage & setup done right
Built into every POS we place

Start saving

Free Rate Review

$0 no obligation

Not sure? Send us a statement and we'll show you the real numbers.

24-hour turnaround
Line-by-line savings breakdown
Zero pressure

Send my statement

Become an Elite Pay Agent

Build your portfolio. Build your residuals.

Bring merchants the tech and support they deserve — and get paid every month they process. Training, CRM, marketing tools, and a merchant website builder included.

Become an Agent Agent Login

Pricing

0% processing. Yes, really.

Most Elite Pay merchants eliminate their processing fees with dual pricing. Prefer to absorb the cost yourself? Interchange-plus keeps it transparent. Either way: no long-term contracts and no junk fees buried in the fine print.

0% Processing Interchange-Plus Savings Calculator Free Rate Review

Two ways to price

0% processing is the headline. Interchange-plus is the backup.

Most Elite Pay merchants choose dual pricing and eliminate their processing fees entirely. If you'd rather absorb the cost, interchange-plus shows you every slice of it.

Most popular Dual Pricing / Cash Discount

0% Processing

Post a cash price and a card price. The small card-price difference covers your processing, so your effective cost drops to zero.

Keep 100% of every sale
Signage, pricing display & receipts set up for you
Built into every POS we place
Switch back anytime — no contract

See how it works

Interchange-Plus

Cost + a flat markup

Pay the true wholesale card cost plus one small, fixed markup you can see on every statement — quoted on your free rate review. No tiered-pricing games.

Full transparency on every transaction
Ideal for higher-volume merchants
Detailed monthly reporting
Rate-match guarantee

See the breakdown

Dual Pricing

Your customers choose. You keep the full ticket.

Every item shows two prices — one for cash, a slightly higher one for card. Customers who pay by card cover the processing cost, so the money that used to go to fees stays with you.

1

We set up your pricing program

Your POS displays both prices automatically and prints receipts that show the cash price and the card price side by side.

2

The customer decides at checkout

Cash pays the lower price; card pays the small adjustment that covers processing.

3

You net the full amount

Your effective processing cost drops to essentially zero — funded next business day.

Dual pricing Both prices shown

Cash Price is 4% lower than Card Price.
Pay with cash and save!

ItemCashCard

Lunch special$11.00$11.44

Iced tea$3.00$3.12

Subtotal$14.00$14.56

Tax$1.00$1.04

Cash Price$15.00

Non-Cash Price$15.60

Cash discount You keep it

Lunch special$11.44

Iced tea$3.12

Subtotal$14.56

Tax$1.04

Total$15.60

Cash discount (4%)−$0.60

Cash Total$15.00

Illustrative example at a 4% card-price difference. You choose the percentage; either way your net on this ticket is $15.00.

Interchange

Assess.

Elite Pay

Interchange — set by the card brands, paid to the issuing bank Assessments — Visa / Mastercard network fees Elite Pay markup — your only negotiable cost

Interchange-Plus

You only pay us the last slice.

Every card payment has three parts. The first two — interchange and assessments — are fixed and go to the banks and card networks. With interchange-plus, our markup is the small, transparent third slice, and it never changes without you knowing.

No tiers, no "qualified vs. non-qualified" mystery buckets — just wholesale cost plus a flat rate you can audit line by line.

Savings Calculator

See what dual pricing could keep in your pocket.

Drag to your average monthly card volume for a ballpark estimate. Your real number comes from a free statement review.

Monthly card volume

$25,000

$5k$100k$200k

Estimated savings

$800/mo

$9,600 per year back in your business

Estimate assumes a ~3.2% blended cost eliminated under dual pricing. Actual results vary by card mix and ticket size.

Free Rate Review

Send one statement. We'll show you the real number.

No obligation, no sales pressure. We read your current statement line by line and show exactly what you'd save with Elite Pay — usually within 24 hours.

Get My Free Rate Review Get Started

Questions

Pricing, answered plainly.

Is dual pricing allowed?

Dual pricing allows businesses to display separate cash and card prices. Elite Pay provides merchants with the resources and guidance needed to properly implement their selected pricing program.

Are there any long-term contracts?

No. Every Elite Pay account is month-to-month. You stay because the pricing and support work — not because you're locked in.

What does it cost to switch?

Nothing upfront for qualifying businesses. Process $15,000+ per month and your hardware can be on us. Accounts requiring multiple pieces of equipment will be evaluated based on processing volume and hardware needs.

Can I change models later?

Anytime. Because there's no contract, you can move between dual pricing and interchange-plus whenever it makes sense for your business.

Point of Sale

The right POS for the way you sell.

Clover, Square, Figure, Material, Union, and OctoPOS point-of-sale systems, plus Dejavoo and SwipeSimple payment terminals. We don't push one box — we match the system to your business, install it, and support it.

Get Started Compare systems

EMV chip, tap & swipe Apple Pay & Google Pay Dual pricing ready No long-term contracts

Table 12PAY AT TABLE

2x Al Pastor6.00

1x Birria Ramen12.00

1x Horchata3.50

$21.50 Total

Tap to Pay →

Handheld · pay at the table

See the use case

Where the right POS earns its keep.

Every one of these is something we set up for real merchants — and every one changes how a shift feels.

POS that keeps up with dinner rush

Orders fire to the kitchen the second they're taken. Tickets, tabs, and tips stay straight when the room is full.

Pay at the table

A handheld closes the check tableside. No walking the card away, no waiting for the one terminal.

Kitchen display system

Screens replace paper tickets. Courses time correctly, nothing gets lost under the heat lamp, and the line can see what's next.

Online ordering

Pickup and delivery orders from your own site land in the same system as the counter — no tablet farm, no retyping.

Website builder

A site with your menu, hours, photos, and ordering — built on the Elite Pay merchant platform.

The lineup

Six POS systems. Two payment terminals. One rep who knows all of them.

What each one is built for, so you can see yourself in it before we ever talk hardware.

Point-of-sale systems

Clover

POS systemBest for: restaurants, retail, and service businesses that want one system for everything

The all-in-one family from Fiserv. Payments, menu and inventory, staff and timeclock, reporting, and an app market that covers almost anything else — from a full two-screen countertop station to a handheld that fits in an apron pocket.

CountertopHandheldDual pricing readyOnline orderingApp market

Get Clover through Elite Pay

Square

POS systemBest for: retail, quick service, and owners who want an online store built in

Fast to set up and easy to run. Clean, familiar hardware, software that handles items, invoices, and appointments, and every account comes with a free online store and online ordering.

CountertopHandheldOnline storeInvoices

Get Square through Elite Pay

Figure

POS systemBest for: full-service restaurants that want tableside ordering and a connected kitchen

A restaurant-first POS: servers take orders and payments at the table on the handheld, tickets fire to the kitchen display, and online orders land in the same system. Built around the dinner rush, not adapted to it.

Full-serviceKDSPay at the tableOnline ordering

Watch the Figure demo

Get Figure through Elite Pay

Material

POS systemBest for: boutiques and independent retail shops

Material Retail is purpose-built for how independent shops actually sell: inventory with sizes, colors, and variants, real customer profiles and loyalty, and built-in Shopify and QuickBooks sync — all on a clean iPad app with a barcode scanner that keeps checkout moving.

RetailInventory & variantsLoyaltyShopify & QuickBooks sync

Watch the Material demo

Get Material through Elite Pay

Union

POS systemBest for: high-volume bars, nightlife, and venues where speed is the whole game

Built for bars first. Open a tab in a tap, pre-authorize cards, close dozens of tabs at last call without the line stalling, and let guests order and pay at the rail with the Order & Pay device. Speed and tips are the point.

Bars & nightlifeTabsOrder & PayPay at the table

Get Union through Elite Pay

OctoPOS

POS systemBest for: grocery stores, markets, delis, and convenience stores

A register built for the aisle and the deli counter: dual-screen checkout with a customer display, a scanner scale at the register, a label-printing deli/meat scale, and a handheld with a label printer for counting and pricing stock in the aisle.

Inventory handheld and label printer — Inventory handheld + label printer

Grocery & marketsIntegrated scalesInventoryCustomer display

Get OctoPOS through Elite Pay

Payment terminals

Just need to take cards — no menus, no inventory, no screens? A terminal does that job for a fraction of the cost.

Dejavoo

Payment terminalBest for: shops that need to take cards reliably without a full POS

Payment terminals, not a point-of-sale system — and that's the point. The Z-line countertop and wireless terminals survive years of daily use, dual pricing is built in out of the box, and the Android QD4 adds a touchscreen with tip-on-screen and apps. No monthly software to learn.

CountertopWirelessDual pricing built inEBT

Get Dejavoo through Elite Pay

SwipeSimple

Payment terminalBest for: trades, mobile businesses, and anyone who sells away from a counter

A payment terminal, not a POS: a tap-and-chip card reader paired with the SwipeSimple app, plus a virtual terminal for keyed and phone orders and invoices you can send by text or email. Everything a plumber, landscaper, or market vendor needs — nothing they don't.

MobileVirtual terminalInvoicing

Watch the SwipeSimple demo

Get SwipeSimple through Elite Pay

Need something that isn't here? We place other systems too — tell us what you run.

Beyond the sale

A lot more than taking payments.

Whichever system fits, a modern POS replaces the register, the back office, and half a dozen apps you're probably paying for separately.

Accept every payment

Chip, tap, swipe, and digital wallets — with dual pricing built in to cut your fees.

Inventory & menu

Track items, modifiers, and stock levels; 86 an item and it updates everywhere instantly.

Employees & timeclock

Clock-in, permissions, and per-employee sales — know who's selling what.

Reporting & insights

Live sales, top items, and daily close from your phone — no spreadsheets required.

Online ordering

Take pickup and delivery orders that flow straight to the same system.

Loyalty & gift

Built-in rewards, gift cards, and customer marketing to bring people back.

Any POS + Dual Pricing

Run your POS at 0% processing.

Dual pricing works on every system we place — post a cash and card price and the card difference covers your fees. Your rep sets up the signage, pricing display, and receipts for you.

See how pricing works Get Started

Why buy your POS from Elite Pay

Same device. Very different support.

Big-box and online sellers hand you a box. We hand you a rep.

Install & training

We set it up, load your menu or catalog, and train your staff — in person where we're local, hands-on remotely everywhere else.

No long-term contracts

Month-to-month, with a rate-match guarantee and no surprise increases.

Support that answers

A real person who knows your business — plus 24/7 device support from every maker we place.

Questions

POS, answered plainly.

How much does the hardware cost?

It depends on the system and how you sell. Nothing upfront for qualifying businesses — process $15,000+ per month and your hardware can be on us. Accounts that need several pieces of equipment are evaluated on processing volume and hardware needs. Your rep puts real numbers in front of you during a free consult.

Which system should I pick?

Start with how you sell. Full-service dining leans Figure or Clover; bars lean Union; boutiques and independent retail lean Material; grocery, markets, and delis lean OctoPOS; quick service and general retail lean Square or Clover; trades and mobile businesses lean SwipeSimple; and a shop that just needs to take cards leans a Dejavoo terminal. Your rep will walk your floor (or your truck) and recommend one.

Can I use dual pricing on any of these?

Yes. Dual pricing works on every system we place, and we give you the guidance on setting up the signage, pricing display, and receipts so your effective processing cost drops to essentially zero. If you want to handle tip adjusting manually, the merchant pays the processing fee on those tip amounts.

Will you move my current menu or inventory over?

We do. Part of the install is loading your menu or product catalog, tax settings, and staff logins so you're ready to sell on day one.

Get started

See the right POS set up for your business.

A free consult with your rep — they'll recommend the system, show you dual-pricing savings, and handle the install.

Get Started See Pricing

Industries

Built around how your business actually works.

Payments aren't one-size-fits-all. Your Elite Pay rep configures the POS, pricing model, and workflow around your industry — then sticks around to support it.

Restaurants & Bars

Tableside ordering, tabs and tips, kitchen tickets, and online ordering — built for the rush.

Explore

Retail & Specialty

Barcode scanning, inventory with variants, and fast checkout for boutiques and shops.

Talk to a rep

Trades & Home Services

Invoicing, card-on-file, and payments in the field for contractors, plumbers, and HVAC.

Talk to a rep

Professional Services

Recurring billing, virtual terminals, and clean reporting for firms and agencies.

Talk to a rep

Medical & Dental

Patient-friendly checkout, payment plans, and clean end-of-day reconciliation.

Talk to a rep

Grocery & Markets

High-volume lanes, EBT support, and scale integration for markets and delis.

Talk to a rep

Liquor Stores

Age verification, fast lines, and dual pricing that protects tight margins.

Talk to a rep

Regulated & High-Risk

Compliant processing for industries other providers won't touch. Ask us.

Talk to a rep

Don't see your industry? We probably still fit — talk to a rep.

Get matched

Tell us what you do. We'll bring the right setup.

A free consult with your rep — they'll recommend hardware, pricing, and a plan for switchover with zero downtime.

Get Started See Pricing

Restaurants & Bars

A POS that keeps up with the dinner rush.

Orders fly to the kitchen, servers close checks at the table, and dual pricing keeps card fees from eating your margin. Set up and supported by a rep who's actually been behind a bar at 9pm on a Friday.

Get Started See a sample restaurant site

Table 12CLOVER FLEX

2x Old Fashioned24.00

1x Wings (dozen)14.00

Tip (20%)7.60

$45.60 Total

Close Check →

Pay-at-the-table · Clover Flex

Sound familiar?

The problems we get called about.

"Checkout is our bottleneck"

Servers wait on one terminal while tables stack up. Flex handhelds close checks tableside — turn tables faster.

"Card fees eat our margin"

3% on every ticket adds up to a manager's salary. Dual pricing drops your effective cost to zero — compliantly.

"Kitchen gets orders wrong"

Handwritten tickets and shouted mods cause comps. Orders fire from the POS to a kitchen display, exactly as entered.

The setup

What your restaurant gets.

Pay-at-the-table

Clover Flex handhelds for tableside orders, splits, and tips.

Kitchen display

Tickets fire straight to the kitchen — no lost chits, no misreads.

Online ordering

Pickup and delivery orders flow into the same system as dine-in.

Tabs, splits & tips

Bar tabs with pre-auth, split checks any way, pooled or direct tips.

Menu & 86 board

Update items and prices once — every device and the website follow.

A website included

Menu, hours, and ordering links on our Merchant Website Platform.

The math

What 0% processing means for a restaurant.

A restaurant doing $60,000/month in card sales typically pays around $1,900/month in processing. With dual pricing on Clover, the card price covers that cost — so the money stays in the business.

Run your numbers

Typical restaurant · $60k/mo card volume

$1,920/mo

$23,040 per year back in the business

Illustrative — based on a ~3.2% blended cost eliminated under dual pricing.

Get started

Free consult. Zero downtime switchover.

We install nights or mornings around your service, migrate your menu, and train your staff before the first rush.

Get Started All industries

Become an Elite Pay Agent

Sell once. Get paid every month.

Every merchant you board pays you residuals for as long as they process — and your split grows as you grow, never capped on production. Bring the hustle — Elite Pay brings the products, training, tools, and support to close.

Apply Now How it works

Lifetime residuals — paid monthly, tracked in your portal

$0 to join — no desk fees

1099 independent agent

Your ResidualsAGENT PORTAL

Month 1 · 4 merchants$310

Month 6 · 21 merchants$1,740

Month 12 · 45 merchants$3,890

Grows monthly

Illustrative example

Your portfolio compounds · your residuals grow

The toolkit

Everything you need to close, included.

Every agent gets full access to the Elite Pay ecosystem — and learns freedom in their faith, family, and finances.

The Playbook & training library

The Elite Pay Playbook — a field manual for the restaurant conversation, territory building, and residual math — plus video walkthroughs and SOPs, updated constantly.

Inside the Agent Portal

CRM & pipeline

Track every lead and deal from first knock to boarded merchant.

Open the Command Center

Merchant website builder

Close harder: every merchant you sign can get a website with menu, hours, and ordering built in.

See the templates

Full POS lineup

Clover, Square, Dejavoo, Figure, SwipeSimple, Material, Union, OctoPOS, and more — dual pricing out of the box and free placement for qualifying merchants.

Compare systems

Transparent residuals

See your merchants, your revenue share, and your payout — no mystery math.

How you get paid

Real backup

Statement analysis help, install support, and someone to call when a deal gets weird.

Support lines

How it works

From application to your first residual check.

1

Apply

Tell us about you and your market. We'll set up a call within a couple of days.

2

Train

Videos, training modules, and in-person training — boarding, statements, dual pricing, objections — taught by Elite Pay agents who've reached financial freedom themselves.

3

Sell

Board your first merchants with your rep backing you up on the hard ones.

4

Get paid

Residuals hit monthly and compound as your portfolio grows. You build the relationships.

"A commission mindset asks, 'What did I make today?' An ownership mindset asks, 'What did I build today?'" — The Elite Pay Playbook

Why residuals beat one-time commissions

Recurring > one-off

A merchant boarded once keeps paying your book every month they process. Board 3–4 a month and the curve takes care of itself.

Actual splits and figures discussed on your intro call.

Apply

Tell us about yourself.

Takes two minutes. We reply to every application.

Questions

Before you apply.

Do I need payments experience?

No. Onboarding is videos, training modules, and in-person training — covering everything from reading a statement to handling objections — and your first deals get hands-on backup. Hustle and follow-through matter more than a resume.

How do I get paid?

Monthly residuals on every merchant in your portfolio, for as long as they process with us. There's no quick-commission model here — you build once and get paid every month. Your split grows as you grow, is never capped based on production, and never drops once you graduate from training. Exact splits are covered on your intro call.

What does it cost to join?

Nothing. No desk fees, no kit to buy. You're an independent 1099 agent — you invest your time, we invest the tools.

Is this full-time or side income?

Either. Some agents build a full-time book; others board a couple of merchants a month around another job. Residuals compound either way.

Who will I be selling to?

Our core lane is owner-operated restaurants — Mexican, pizza & Italian, breakfast & family spots — where relationships matter more than rate sheets. The Playbook and training are built around that field game, and the same system works in retail, trades, and beyond.

Merchant Portal

Already a client? Start here.

Log in to your dashboard, reach support, and find the resources that keep your account running clean — all in one place.

Merchant Login

Your dashboard

Every Elite Pay merchant uses iAccess for statements, deposits, and reporting. Your POS has its own login for menus, sales, and settings.

iAccess Login

Need iAccess set up? Call (984) 272-2568. Help lines for every system are on the Support page.

Merchant Resources

Help & how-tos

Support lines for Elite Pay and every POS we place, plus the guides clients ask for most.

Support & POS help lines PCI Compliance Chargeback Management

Agent Portal

Build your portfolio. Build your residuals.

Everything agent-related lives here — whether you're already on the team or thinking about joining it.

Already an agent

Agent Login

Training, documents, residuals, and your CRM. No password — just a sign-in link sent to your email.

Log in to the Agent Portal Open the CRM

Access is invite-only. Need an invite? Ask Trae or Will.

Thinking about it

Become an Agent

How the program works, how you get paid, what training looks like, and how to apply.

See the agent program Apply now

Inside the portal

One login. Everything you sell with.

Training

Video library organized by how the business runs: lead generation, onboarding, servicing, marketing, compensation, and administration.

Documents

The Playbook, SOPs, forms, and agreements — the current version, every time.

Residuals

Your merchants and your revenue share, in one simple view inside the CRM.

CRM

Leads, territory, routes, and merchant onboarding in the Elite Payments Command Center.

Get Started

Tell us who you are.

One form, one conversation. Pick the door that fits and a real person takes it from there.

Business Owner

I own a business

Lower your processing costs, upgrade your POS, get a website — or refer other businesses and get paid for the introduction.

Business owner, this way

Sales Agent

I want to sell

Join the Elite Pay agent team. Build a portfolio of merchants and get paid residuals every month they process.

Become an Agent

Like what you see?

Here's what's next.

From first conversation to taking cards, usually inside a week.

1

Talk to a rep

A quick call or a copy of your current statement. We show you the real numbers and match you to the right POS — no obligation.

2

Gather your documents

Seven things, listed to the right. A complete file is the difference between approval in days and approval in weeks.

3

Underwriting

Your rep submits the application to the processing bank. Most complete files approve in one to two business days.

4

Install & training

Hardware is placed and set up, your staff is trained, and your pricing program is implemented correctly from day one.

5

Take payments

Deposits start hitting your account the next business day after you begin processing. Your rep stays your first call.

Start the conversation

Merchant account checklist
What underwriting asks for — have these ready and we handle the rest.

1.

Voided check or bank letter
For the account where your deposits land.

2.

Government-issued ID
For every owner with 25% or more of the business.

3.

EIN or SSN
Your federal tax ID. Sole props can use an SSN.

4.

Business formation document
Articles of organization or incorporation, or your DBA filing.

5.

Three months of processing statements
Only if you're switching — this is also how we find your savings.

6.

Physical address and contact info
Where you actually operate (no P.O. boxes), a working phone, and an email you check.

7.

A rough monthly volume estimate
Monthly card volume and average ticket. Ballpark is fine.

Support

Real help, from a real person.

Your rep is the first call. Below that: Elite Pay's support lines, the help desk for every POS we place, and the guides clients ask for most.

Elite Pay support

Who to call, for what.

Sales & new merchants

Trae Benham — call or text (704) 783-8922, or email Trae@elitepay.cc.

Merchant & agent support

Will Wood — call or text (704) 783-8437, or email Will@elitepay.cc.

24/7 POS & hardware help

Terminal down during dinner rush? Your POS maker's help desk answers around the clock (lines below), plus your rep for menu and settings changes.

PCI compliance help

Call (877) 276-9929 to complete your PCI compliance, or register through your iAccess login. What PCI is, in plain English.

Chargebacks & disputes

Fighting a dispute right now? Call (984) 272-2568, then loop in your rep — we've written a lot of winning responses. Read the chargeback guide.

Statements & deposits

Funding, statement line items, and reporting live in iAccess — every Elite Pay merchant has a login. Setup help: (984) 272-2568. Anything that doesn't add up, message us directly.

POS & platform support

Help desks for every system we place.

Hardware or software acting up? Start with the maker's help desk — they're staffed around the clock — and loop in your rep for anything account-related.

Clover24/7 phone line, help center, and app market support — (844) 506-8186Clover Login

SquareSupport center, seller community, and phone support — 1-855-700-6000Square Login

DejavooTerminal and dual-pricing support — 1-877-358-6797Dejavoo Login

FigureRestaurant POS support — 1-855-534-4873Figure Login

SwipeSimpleApp, reader, and virtual terminal support — (800) 783-5596SwipeSimple Login

MaterialCloud POS support — (929) 713-0180Material Login

UnionBar & nightlife POS support — 855-384-6839Union Login

OctoPOSGrocery, market & deli POS support (registers and scales) — 1-888-900-8219OctoPOS Login

Statements and deposits for every system live in iAccess. Something else? If it isn't listed here, your rep will get you to it.

Send a message

We'll get back fast.

For existing clients. New to Elite Pay? Start here instead.

Portal preview

This is a look inside the Elite Pay Agent Portal with sample data — nothing here is live.

Open the real portal

Welcome back, Trae

Here's how the book looks today. (demo figures)

• Admin · Owner

Monthly Residuals

$14,280

6.2% vs last month

Active Merchants

63

4 boarded this month

Pipeline (CRM)

19

7 awaiting approval

Processing Volume

$2.1M

9.4% MTD

Recent activity

NoDa Coffee Co. approvedBoarded on Clover Mini · yesterday

Merchant

Will updated "Boarding a New Merchant Start to Finish"Training video · 3 days ago

Training

July residuals posted$14,280 across 63 merchants · 5 days ago

Residuals

New Merchant Application Checklist revisedSOP · last week

Documents

Training & SOPs

Videos and documents for every step of the sale.

Residuals

Month-by-month payouts across your book.

Website Builder

Spin up a site for any merchant you board.

Merchants

Your boarded accounts. (demo data)

Business	POS	Boarded	Monthly Volume	Status
NoDa Coffee Co.	Clover Mini	Aug 2026	$41,000	Active
Casa Verde Taqueria	Clover Station Duo	Jul 2026	$58,500	Active
Plaza Midwood Barbers	Clover Flex	Jul 2026	$12,200	Active
Queen City Liquors	Dejavoo	Jun 2026	$96,800	Active
Dilworth Family Dental	Dejavoo	Jun 2026	$34,600	PCI due
Tom's Place High Point	Clover Station Duo	May 2026	$38,400	Active

Residuals

Paid monthly on every active merchant. (demo data)

This Month

$14,280

6.2% vs June

Year to Date

$87,410

Jan – Jul 2026

Avg / Merchant

$227

across 63 accounts

Month	Merchants	Volume	Payout
July 2026	63	$2.08M	$14,280	Paid
June 2026	59	$1.94M	$13,450	Paid
May 2026	55	$1.81M	$12,610	Paid
April 2026	52	$1.70M	$11,890	Paid
March 2026	48	$1.62M	$11,020	Paid

Agent Support

Stuck on a deal or a device? Start here.

Call Trae or Will

Trae (704) 783-8922 · Will (704) 783-8437. Deal structuring, statement reviews, and anything merchant-facing.

PayBright support

(984) 272-2568 — boarding status, funding, chargebacks, iAccess setup, and account maintenance.

New deal applications

gopaybrightapps.com for every POS except Square. Reseller.orderout.co for Square applications and the Square dashboard.

Merchant having an issue? Send them to the public Support page — or open a ticket for them with the processor line.

Training & Resources

Everything your agents need — videos and SOPs, kept current by Trae & Will.

• Preview — sample data, not live content

Training Videos

18

across 6 categories

SOPs & Documents

12

PDFs & guides

Last Updated

2 days ago

by Will

Training Library

12:04Edit

Onboarding

Boarding a New Merchant Start to Finish

Updated 3 days ago

08:37Edit

Sales

Reading a Statement & Building a Rate Review

Updated last week

15:20Edit

Product

Dual Pricing Explained & How to Pitch It

Updated 2 weeks ago

06:52Edit

Hardware

Clover Station Setup Walkthrough

Updated 2 weeks ago

10:15Edit

Objections

Handling "I'm Locked Into a Contract"

Updated 3 weeks ago

04:48Edit

CRM

Logging Deals & Keeping Your Pipeline Clean

Updated last month

09:26Edit

Sales

The Discovery Call Framework

Updated last month

07:11Edit

Compliance

PCI Compliance Made Simple for Merchants

Updated last month

13:40Edit

Hardware

Dejavoo Terminal Setup & Dual Pricing

Updated 2 months ago

SOPs & Documents

New Merchant Application ChecklistPDF · updated 3 days ago by Will

Onboarding

Rate Review SOP — Step by StepDoc · updated 1 week ago by Trae

Sales

Dual Pricing Compliance & Signage GuidePDF · updated 2 weeks ago

Compliance

Hardware Order & Deployment ProcessDoc · updated 3 weeks ago

Hardware

Objection-Handling ScriptsDoc · updated last month

Objections

New Agent Welcome PacketPDF · updated last month by Trae

Onboarding

Clover vs. Dejavoo — Which to PitchPDF · updated 6 weeks ago

Product

Templates Menu Online Ordering SEO AnalyticsView a Live Example

Merchant Website Platform

Give every merchant a website that sells.

Spin up a fast, mobile-ready site for any restaurant or shop in minutes — then manage menu, hours, photos, and online ordering from one place. Built to match sites like Johnny Nevada's.

Built in the Agent Portal. Pick a template, fill in the menu, hours, and photos, and publish — the merchant is live at a real link in minutes. Open the builder

Casa VerdeMenu · Order · Hours

Handmade · Family Owned

Tacos worth
the drive.

Order Online

View live example

Restaurant Template 1Bold / Street food

The Garden TableReserve · Menu

Farm to table

Fresh, local,
every day.

View Menu

View live example

Restaurant Template 2Clean / Upscale

Midnight DinerOrder · Locations

Open late

Comfort food,
any hour.

Order Now

View live example

Restaurant Template 3Moody / Nightlife

Manage everything from one dashboard

The tools built into every merchant site.

Online Ordering Links

Connect ordering and delivery so customers can buy right from the site.

Hours & Locations

Keep hours, holidays, and multiple locations accurate everywhere.

Photos & Gallery

Show off the food and the space with a fast, curated photo gallery.

SEO

Built-in local SEO so customers find them on Google Maps and search.

Website Analytics

See visits, orders, and top pages — know what's actually working.

Custom Domains Mobile-ready Reviews widget Social links Cash-discount badge

Sample site built on Elite Pay's Merchant Platform

Casa Verde

(704) 555-0139 Order Online

Handmade · Family owned · Charlotte

Tacos worth the drive.

Slow-cooked meats, hand-pressed tortillas, and salsas made fresh every morning. Street-food soul, served fast.

Order Online View Menu

4.9 · 320+ reviews on Google & Yelp

Voted #1 Tacos in Charlotte

$3Street Tacos

Handmade daily Cash discount every day Catering available Open 7 days Handmade daily Cash discount every day Catering available Open 7 days

The Menu

Made from scratch, every day.

EST.
2016

From our family's kitchen to your table.

Our Story

Three generations of recipes.

Casa Verde started as a single food truck on Central Avenue, run by our grandmother with nothing but a comal, a cooler, and recipes she carried from Jalisco. The line down the block told us we were onto something.

Today we still press every tortilla by hand and simmer our birria overnight — because shortcuts taste like shortcuts. Come hungry, leave family.

Come say hello

Gallery

Straight off the comal.

Al Pastor

Elote

Salsa Verde

Birria

Churros

Carnitas

Nopales

Horchata

Hours

Come hungry.

Monday11:00a – 9:00p

Tuesday11:00a – 9:00p

Wednesday11:00a – 9:00p

Thursday · Today11:00a – 10:00p

Friday11:00a – 11:00p

Saturday10:00a – 11:00p

Sunday10:00a – 8:00p

Find us

3216 N Davidson Street, NoDa, Charlotte, NC 28205

Call or order

(704) 555-0139 · pickup ready in ~15 min

Catering

Taco bars and tamale trays for parties of 10–200.

Reviews

People are talking.

"The birria is life-changing. I drove 40 minutes and would do it again tomorrow."

M

Marisol R.Google review

"Real deal street tacos. Tortillas pressed to order, salsas with actual heat. My new spot."

D

Devon P.Yelp review

"Catered our office of 60 and everyone raved. Easy to order, on time, unreal churros."

A

Aisha K.Google review

5.0 on Google · 4.9 on Yelp · 320+ reviews

Hungry yet?

Order online for pickup or delivery — most orders are ready in about 15 minutes.

Order for Pickup Order Delivery

Sample site built on Elite Pay's Merchant Platform · Restaurant Template 2

The Garden Table

(704) 555-0184 Reserve a Table

Farm to table · Downtown Concord

Fresh, local, every day.

A seasonal menu built around what our partner farms harvested this morning. Quiet rooms, honest cooking, and a porch made for long dinners.

Reserve a Table Tonight's Menu

SeasonalLocal farmsHandmade pastaSunday supper

Tonight's Menu

What the season gave us.

Menu changes weekly — this is a taste of a typical evening.

EST.
2019

Grown twenty minutes from your plate.

Our Farms

We know every field by name.

Everything on the menu starts with our partner farms across Cabarrus and Rowan counties — picked in the morning, plated by evening. When the season turns, so do we.

Ask your server what came in today. They'll know, because they helped unload it.

Plan a visit

Hours

Join us this week.

MondayClosed

Tuesday5:00p – 9:00p

Wednesday5:00p – 9:00p

Thursday · Today5:00p – 9:30p

Friday5:00p – 10:00p

Saturday11:00a – 10:00p

Sunday10:00a – 2:00p · Supper 5p

Find us

24 Union Street S, Downtown Concord, NC 28025

Reservations

(704) 555-0184 · parties of 6+ please call ahead

Private events

The garden room seats 30 for rehearsals and showers.

Dinner's better on the porch.

Reserve a table and let the season do the cooking.

Reserve a Table

Sample site built on Elite Pay's Merchant Platform · Restaurant Template 3

Midnight Diner

(704) 555-0121 Order Now

Open til 3 AM · 7 nights

Comfort food, any hour.

Smash burgers, disco fries, and breakfast all night. For the closers, the late shift, and everyone who isn't done yet.

Order Now See the Menu

Breakfast all night

$6Milkshakes

Open til 3am Breakfast all night Late-night delivery Shakes & floats Open til 3am Breakfast all night Late-night delivery Shakes & floats

The Menu

The late-night classics.

Hours

We're up late.

Mon – Wed6:00p – 2:00a

Thursday · Tonight6:00p – 3:00a

Friday6:00p – 3:00a

Saturday6:00p – 3:00a

Sunday6:00p – 1:00a

Find us

1500 Central Avenue, Plaza Midwood, Charlotte, NC 28205

Call it in

(704) 555-0121 · ready in ~12 min

Late-night delivery

Until 2:30a through our ordering partners.

Hungry at midnight?

We're already flipping the burgers. Order ahead and skip the wait.

Order for Pickup Order Delivery

Resources

Chargeback management.

What chargebacks are, how to prevent them, and exactly what to do when one lands.

What a chargeback actually is

A cardholder disputes a charge with their bank, and the money comes out of your account while the card network investigates. You get a window — usually 20 to 45 days depending on the network — to submit evidence and fight it. Ignore the notice and you lose by default, plus a chargeback fee.

Prevent them before they happen

Most chargebacks are preventable. Use a clear billing descriptor so customers recognize the charge on their statement. Get signatures or chip-and-PIN on card-present sales. Post your refund policy where customers can see it — on the receipt, at the register, on your website. Respond to refund requests fast: a $40 refund beats a $40 chargeback plus a $25 fee and a mark on your account, every time. And keep receipts, signed tickets, and delivery confirmations for at least 18 months.

When one lands anyway: your response checklist

1) Note the deadline on the notice — it is unforgiving. 2) Pull your evidence: the signed receipt or EMV record, invoices, delivery or pickup confirmation, any texts or emails with the customer. 3) Write a short cover note: what was sold, when, to whom, and why the charge is valid. 4) Submit everything before the deadline through your processing portal. 5) If the customer is actually right — refund it and move on. Fighting a losing dispute costs more than the sale.

Watch your ratio

Card networks flag merchants whose chargeback ratio passes roughly 0.9% of transactions. Getting flagged means fines and monitoring programs, and in bad cases a terminated account. If you're seeing more than a couple of disputes a month, don't wait — that's a process problem we can usually fix.

Fighting a chargeback right now? Call your rep — we've written a lot of winning responses.

Get Help With a Dispute

Resources

PCI compliance, made simple.

The card industry's security rules in plain English — and how to never pay a non-compliance fee.

What PCI is, in one paragraph

PCI DSS is the card industry's security standard — the rules every business that touches card data agrees to follow. It isn't a law and it isn't optional; it comes with your merchant agreement. For most local businesses, staying compliant means using secure, up-to-date equipment and answering a yearly questionnaire honestly.

What it means for a business like yours

If you run a modern terminal or POS — like the hardware we place — card data is encrypted the moment the card taps or dips, and you never store a card number anywhere. That puts most of our merchants in the simplest compliance categories, where the whole exercise is a short self-assessment questionnaire (an SAQ) once a year.

The yearly routine

Once a year you'll complete the SAQ through the processor's compliance portal — 15 to 30 minutes for a typical shop. Some setups also need a quarterly automated scan, which the portal runs for you. Do that, and you're compliant. Skip it, and most processors add a monthly non-compliance fee ($20–$40, forever) until it's done. It's the easiest fee in the industry to avoid.

The rules of thumb that keep you safe

Never write card numbers on paper or store them in a spreadsheet. Never take card numbers by email or text. Change default passwords on anything connected to your POS. Keep your terminal software updated — ours update automatically. If it feels sketchy, it's non-compliant: when in doubt, ask your rep.

How Elite Pay helps

We'll provide the phone number and login information you need to complete PCI compliance. Every merchant starts on hardware that's compliant out of the box, and your rep is the person to call with the “is this okay?” questions all year.

Paying a PCI non-compliance fee right now? Bring us your statement — that's usually the first thing we erase.

Get My Free Rate Review

Privacy

Privacy Policy

The short version: we collect only what you send us, we use it to respond to you, and we never sell it.

What we collect

When you contact us or apply to the agent program, we receive the information you choose to send — typically your name, business name, phone number, email, and your message. This site does not run advertising trackers and does not use cookies to profile you.

How we use it

To respond to your inquiry, review your application, provide a rate review you requested, and service your account if you become a merchant or agent. That's it.

What we don't do

We do not sell or rent your information. We share it only with the service providers needed to run our business (for example, the payment processor that underwrites a merchant account you apply for) or when the law requires it.

Your choices

Want your information corrected or deleted? Email Will@elitepay.cc and we'll take care of it.

Contact

Elite Pay · North Carolina · Trae@elitepay.cc · (704) 783-8922

Last updated August 2026.

Terms

Terms of Use

Plain English, like everything else we do.

This site is informational

Content here describes services Elite Pay offers. It isn't a contract, a rate quote, or financial advice. Savings examples and calculator estimates are illustrative — your actual numbers come from a written proposal based on your statement and the current approved program.

Merchant & agent agreements control

Processing services, equipment placement, and agent compensation are governed by the signed agreements for those programs, not by this website. Pricing programs (including dual pricing and cash discount) follow current card-network rules and the approved program in your agreement.

Demos are demos

The portal preview and sample merchant websites on this site use fictional data and are shown to illustrate what we build. They don't depict real merchants or real earnings.

Trademarks

Clover, Dejavoo, QuickBooks, and other marks belong to their respective owners; their use here identifies compatible products and implies no endorsement.

Questions

Trae@elitepay.cc · (704) 783-8922

Last updated August 2026.