Choose the processing company first — it determines which products, equipment, pricing, and payout rules are available below.
Options depend on the Proposal Company selected above and your account permissions. Fiserv deals (Fiserv, Clover) are checked against a minimum pricing floor before you can generate or print.
Solution Advisor Trusted Access
Quick discovery → platform recommendation across your permitted products.
How do you want to enter merchant data?
📄
Scan Statement
Upload PDF or image
✏️
Enter Manually
Type figures directly
Upload Merchant Statement
📎
Tap to upload — or drag & drop
PDF, JPG, PNG, or CSV — up to 20MB
Preparing…
Confirm Extracted Data — correct any errors before continuing
Review all fields. Required: Monthly Volume and Processing Fees.
Merchant Information
Calculating...
Statement Analysis
Select Pricing Model
Custom Pricing
Override the defaults. Enter your own IC markup and fees — the Custom Pricing card above recalculates as you type. Click the Custom card to use these numbers in the proposal.
40 = 0.40%
per swipe
base monthly
monthly
monthly
gateway / misc
Solution Overview
Include POS / Hardware Bundle?
No — Payments Only
Process with Payments365 only
Yes — Add Hardware/Software
Bundle hardware + software
Choose a Package (optional)
One-click presets — applies suggested hardware/software below. You can still fine-tune afterward.
Hardware Selection
Software Tier
Gateway Add-On Features
Optional gateway features — check any to add to this package.
Shopify Decision Engine
If this merchant runs on Shopify, fill in what you have and run the engine to see whether to keep Shopify Payments, add a gateway, or migrate.
Additional Opportunities
🎁 Gift Card Program
Additional Revenue Opportunity
Physical and digital gift cards drive repeat visits and put stored value on the books before the sale happens.
Customer retention & repeat visits
Stored value — cash up front
Holiday & seasonal promotions
Digital gift cards (email / text delivery)
Physical branded card packs
Built into the POS — no extra terminal
💼 Capital Solutions
Business Funding
Based on this merchant's processing volume, they may pre-qualify for business funding — repaid automatically as a share of card sales.
What's driving the need?
Expansion
Inventory
Payroll
Equipment
Working Capital
Seasonality
Merchant Cash AdvanceFast funding repaid as a fixed % of daily card sales.
Revenue-Based FinancingFlexible payback that scales with monthly revenue.
Equipment FinancingFund POS, kitchen, or shop equipment over time.
Business LoansTraditional term loans for established merchants.
Building proposal...
Client Proposal
Comp / Intel
Email Draft
Contract Fields
Payments365
Executive Summary
Processing Comparison
Metric
Current
Proposed
Payments365 POS Solution
Gift Card Program — Additional Revenue Opportunity
Customer Retention
Gift card holders return more often and spend above card value on redemption.
Stored Value
Cash collected up front — revenue on the books before the sale happens.
Digital + Physical
Branded physical cards plus digital gift cards delivered by email or text.
Holiday Promotions
Seasonal campaigns and bonus-card offers drive Q4 and slow-season sales.
Capital Solutions
Merchant Cash Advance
Fast access to funds, repaid automatically as a fixed share of daily card sales.
Revenue-Based Financing
Payback flexes with monthly revenue — lighter in slow months.
Equipment Financing
Spread the cost of POS, kitchen, or shop equipment over time.
Business Loans
Traditional term loans for established, stable-volume merchants.
Funding eligibility is based on processing history and volume. Your Payments365 rep will confirm available offers — no obligation, no credit impact to explore options.
Why Payments365
Interchange-Plus Pricing
See exactly what Visa charges vs our markup. No flat-rate guesswork.
No Junk Fees
No PCI fees, batch fees, statement fees, or regulatory add-ons.
Android POS Hardware
PAX, Elo, Verifone terminals — payments + POS on one platform.
Dedicated Rep Support
Local rep — not a call center. One contact for everything.
Next Steps
1. Review this proposal and confirm the solution fits. 2. Rep prepares final paperwork within 24 hours. 3. Onboarding: 2–5 business days. 4. Processing begins immediately upon approval.
Prepared By
P
Payments365 Rep
Payments365 — Merchant Services
⚠ REP ONLY — REVENUE & PRICING INTELLIGENCE
Retained Markup Assumptions
Revenue estimate is based on retained markup only, not total merchant fees. Interchange, assessments, dues, network/auth pass-through, PCI, batch, statement, gateway fees, and cash-discount surcharge amounts are not rep revenue.
Pricing Summary
POS Qualification
Competitive Intel
Ready-to-Send Email
Writing email...
To:
Subj:
Contract-Ready Fields
Copy these fields into the Payments365 merchant agreement. Confirm equipment list with manager before submitting.