Service Line 01 · Hardware Program

Free POS placement for qualifying merchants.

Zero down for the hardware. Smart terminal, countertop, or full multi-station POS bundle, included with a processing agreement at qualifying volume. We disclose every term before signature so the trade-off is on the table from minute one.

What free covers

  • Smart terminals (all-in-one)
  • Countertop terminals with PIN pad
  • Multi-station restaurant POS
  • Multi-station retail POS
  • Installation and training included
How it works

The hardware is free. The processing isn’t.

Free POS placement is not a giveaway. The processor underwrites the hardware cost against the expected processing volume you bring to the account. Hardware is included with the agreement; the markup on the processing side is slightly higher than buying your own terminal outright. For most small merchants the math favors the placement — particularly for seasonal businesses, owner-operators, and businesses still proving out volume.

Smart terminals

All-in-one device with built-in screen, printer, and card reader. The right pick for cafes, food trucks, salons, and pop-up retail. Ships in 3-5 business days.

Countertop + PIN pad

Standard countertop processor terminal with a customer-facing PIN pad. The right pick for traditional retail and B2B service businesses.

Multi-station POS

Full POS with kitchen-display, table management, inventory, and reporting. Available at qualifying volume; the placement underwriting is per-station.

The trade-off

Free hardware versus bought outright.

A direct comparison of free placement against buying your own terminal at the start. Numbers below are illustrative; actual rates depend on your category, ticket size, and card-mix.

What matters
Buy your own
Free placement
Upfront cost
$300–$1,200 per terminal
$0
Processing markup
Lower
Higher (hardware amortized)
Minimum term
None
Typically 12 months
Hardware ownership
You
Processor (returnable)
If hardware fails
Pay for replacement
Processor covers
Best for
Established merchants, predictable volume
New, seasonal, or volume-uncertain merchants
Eligibility

Who qualifies.

Free placement is volume-underwritten. Qualifying merchants typically clear $5,000+ per month in projected card volume for a smart terminal, and $15,000+ for a multi-station POS bundle. Brand-new businesses without trailing statements still qualify if projections and category support it.

  1. Existing merchant: send your last 1–3 statements; we run the eligibility check the same way as the free audit.
  2. Brand-new business: a clean business license, EIN, and a realistic volume projection get you into the program for most categories.
  3. High-risk category (some hospitality, tobacco, firearms, CBD, adult): different underwriting; we still place you but the program is different.
  4. Hardware ships in 3–5 business days from approval. Install and training is part of the placement.
Common questions

Free POS questions.

Free credit card machine, what’s the catch?
A slightly higher processing markup and a 12-month minimum so the processor can amortize the equipment. Both are disclosed on day one. The audit tells you whether the math favors free placement or outright purchase for your specific business.
Can I add stations later?
Yes. Additional stations are typically placed under the same agreement at the same per-station underwriting once your volume supports them.
What if I close the business?
Most agreements allow no-fee termination with proof of business closure. Hardware is returned. We can talk through the exact term sheet on your specific placement before you sign.

Free placement, or buy and lower the markup.

Two paths. The right one depends on your processing volume, your time horizon, and how often your business model changes. The audit picks for you.

Check Eligibility