Stop Paying to Accept Cards.
Start Getting Rewarded for Them.
Most processors charge you every time a customer swipes. This program can cover your processing costs and pays you reward points on every dollar you process, with modern payment technology matched to how you sell.
What does accepting cards cost you today?
A shop processing $30,000 a month in card sales at a 4% effective rate pays about $1,200 a month just to get paid. A restaurant doing $100,000 a month at the same rate pays about $4,000, every month.
And for all of that, a typical processor gives you nothing back. That is the part this program changes.
The double win: fees covered, rewards earned
Most savings programs stop at lowering your cost. This one goes a step further. Your processing cost is covered at the point of sale, and every dollar you process earns points you can turn into prepaid Visa cards and gift cards.
Get paid back for every card you accept
Your business earns up to 2 reward points for every dollar of card volume it processes, with no cap. Points arrive every month and redeem for prepaid Visa cards you can spend anywhere Visa is accepted, or hundreds of gift card options.
A business processing $100,000 a month on the double-points program earns about 200,000 points a month, worth roughly $180 to $200 in rewards. That is money most processors never give back.
- No limit on the points you can earn
- Redeem any time, with no redemption fees or shipping charges
- Points do not expire while you are actively processing
- Track every point in your own online rewards account
- Bonus point promotions and a catalog that keeps growing
Choose how your card costs get handled
We start with how you sell, your average ticket, and your customers, then recommend the option that fits.
Customer-Paid Pricing
Your terminal shows a cash price and a card price. Customers who pay by card cover the processing cost, so in many cases you pay little or nothing to process at month end, and you earn double points.
Best fit: quick-service restaurants, barbershops, convenience stores, and other lower-ticket businesses.
Credit Card Surcharge Program
The terminal tells credit from debit automatically, so your team does nothing different at checkout. You pay only a low rate on debit cards, and you earn points on your volume. Offered only where card brand rules and state law permit.
Best fit: auto repair, tire shops, jewelers, higher-end salons, and other larger-ticket businesses.
Wholesale Interchange-Plus
Prefer not to change what customers pay? Pay the card networks’ wholesale cost plus one fixed markup, with no padded pricing tiers. Businesses that take corporate and purchasing cards can lower costs further with Level 2 and Level 3 invoice data on business-to-business payments.
Best fit: B2B companies, professional offices, contractors, and businesses that invoice.
Two ways System Stream lowers card costs
Start fresh with a rewards program
Open to a new setup? Get your card costs covered or cut at the source, earn rewards, and upgrade your payment technology.
Keep your current processor
Our Merchant Services Fees Auditing and Monitoring service finds savings without switching banks or processors.
Explore the audit serviceTechnology matched to your business
We don’t force one system on every business. We match you with the platform that fits the way you sell, from a single countertop terminal to a full point-of-sale system.
Clover
Countertop and mobile POS (Flex, Mini, Station Duo, Go) with reporting, inventory, and customer tools.
Square
Flexible POS for retail, salons, food trucks, and services, with appointments, invoices, and online selling.
Shift4 Dine
Formerly SkyTab. Built for restaurants and bars, with handheld ordering, online ordering, and management tools.
Dejavoo
Simple, dependable countertop and wireless terminals for auto service, contractors, offices, and retail.
Connect what you already use
Online or Desktop, with automated sales reporting and reconciliation
Connect payments to your storefront, online ordering, and inventory
Secure online payments, shopping carts, and payment links
Send a payment link, or schedule payments to run automatically
Physical or digital cards in your brand to drive repeat visits
Inventory, loyalty, online ordering, and reporting integrations
Availability and compatibility vary by platform and setup.
Built for businesses like yours
Getting started takes four steps
Send a recent statement
One month is enough to start.
See what you really pay
Your effective rate and every fee, line by line, plus what you could earn back in rewards.
Choose your program
You decide. No pressure and no obligation.
Start earning
Equipment, setup, and your rewards account, with ongoing personal support.
Common questions
Is it legal to pass processing costs to customers?
Customer-paid and surcharge programs are widely used across the U.S. They must follow card brand rules and state law, which vary. We only recommend programs permitted for your business and location, including the signage and receipt disclosures they require.
Is there a catch with the rewards?
No redemption fees, no shipping charges, and no cap on what you can earn. Points do not expire while you are actively processing. Rewards come with the customer-paid and surcharge programs.
Will my customers push back?
Most customers already see card and cash pricing at gas stations, restaurants, and service shops. Your terminal shows both prices clearly before they pay, so there are no surprises.
Am I locked into a long contract?
Month-to-month processing is available on many programs. Terms for any software or equipment are confirmed in writing before you commit.
Do I need new equipment?
Sometimes. If your current setup is compatible, we work with it. If not, we match you with equipment that fits how you sell.
See what you could stop paying, and start earning.
Send us one recent statement. We’ll show you what card acceptance costs your business today, what the right program could cover, and what you could earn back in rewards. Free, with no obligation.
Get Your FREE Statement ReviewExamples are illustrative. Actual costs, savings, and rewards depend on your processing volume, card mix, business type, location, and program, and are determined after a statement review. Reward point values are approximate and subject to program terms. Program availability, eligibility, and terms vary. System Stream connects businesses with providers in the System Stream expense reduction network.