Payment Processing

We make payments Simple, Secure and Reliable

A simpler, smarter and more convenient way to get paid is here

Clover Station Pro for Any Business

Streamlined Operations

Central command
One central hub for power and processing. One screen for you, one for your customers.

Faster processing
Run chip card transactions in less than three seconds.

Insights at your fingertips
Harness the power of your own data—see the patterns and trends driving your sales and take a smarter approach to marketing.

Loyalty Programs
Begin your new loyalty program and keep your biggest fans coming back again, and again.

The complete POS System

A smart POS system built for speed and simplicity.

Station Pro gives you one central hub for power and processing. A screen for you, another for your customers.

Clover comes with a high-speed receipt printer. Compatible with handheld Clover Flex for contactless payments, the barcode scanner and other accessories that make running your business faster


Introducing the Clover Station Pro

Compatible with the following devices

Clover Mini

Clover Flex

Clover Go

top Features of the clover solution

Online Ordering and Delivery

Next-Level Reporting

Employee Management

Accept Checks, Cards, and Cash

Customer Loyalty

Endless Integrations

Online Ordering and Delivery

Online ordering and delivery apps helps you accept orders from customers remotely from any laptop, tablet or smart phone, allowing you to run your business and continue operations without taking calls.

Next-Level Reporting

The intuitive reporting dashboard allows you to see sales trends, generate profit margin reports, manage inventory controls, control menu-costing, and much more. The reporting application helps you control more of your business with the touch of a button, giving you analytics and metrics to help you run your business more efficiently and profitably.

Employee Management

Set permissions, view employee activities, and incentivize positive employee performance. New hires; simply assign them a login code and set permission and they're ready to be trained. View sales reports, tips, discounts, and much more.

Accept Checks, Cards and Cash

Clover allows you to accept all forms of payment including credit cards, debit cards, loyalty cards, gift cards, chip cards, swipe cards, NFC touchless payments, Apple Pay, Google Wallet, along with cash and checks.

Customer Loyalty Programs

It is simple to turn on and turn off the customer loyalty program. Track your best customers and reward them for their continued patronage towards your business. There is no need to count anything, keep track of paper punch cards - everything is tracked by phone number or email address.

Endless Integrations

Clover POS allows you to integrate with Quickbooks, MailChimp, WooCommerce, GrubHub, DoorDash, fundraising, e-commerce, social media and other marketing platforms. The Clover App market is very robust and comes complete with over 1,000 apps to integrate with your Clover POS System.

the lowest fees in the industry

Low Fee or No Fee - The Choice is yours

Superior Marketing operates as a broker for various payment processing platforms. This allows us to be the most diverse on companies in the northern Wisconsin. We have partnered with First Data, Electronic Payments, CardConnect, Tsys, and WorldPay to bring you the best and the brightest in the industry. As a broker, we have full control over our pricing and can extend to you, the business owner, the lowest rates in the industry.

Frequently Asked Questions

What is 'Low Fee' processing?

We provide some of the lowest fees in the industry. Our goal is to develop a long-standing relationship with each one of our clients. That doesn't happen by doing the traditional "nickel and dime" approach, whereas you're charged unidentified fees that show up on your statement month after month.

Clear and Transparent Pricing

Our processing is clean, clean and transparent. You pay for the number of transactions you accept. Nothing more. Nothing less.

Statements Are Easy to Read

Our statements are clear and easy to read, allowing you to see exactly what you're paying for with no surprises.

Our Superior Pricing Program

Our clients average 2.1% - 2.3% overall rates on their processing activities. Conversely, the average processing rates for Square, Paypal, Stripe, Payment Depot and Dharma (to name a few) are 3.8% to 4.3%. That's 65% higher fees for the same transaction you would have completed with us.

If you don't wish to pay any fees - we have a solution for that as well.

What is 'No Fee' processing?

No fee processing is simple. You pass the fees associating with processing cards directly to the customer. This is called Cash Discount or Reverse Cash Discount, depending on how you structure your payment profile. Cash Discount or Reverse Cash Discount came to fruition in 2010 with the Dodd-Frank Act, and the amendment that allows businesses to lower their costs of doing business is called,

"The Durbin Amendment." This particular amendment allows you, the business, to charge a 3% to 4% fee on debit cards used in your place of business. The Cash Discount works like this; items in the store have a particular price and a transaction includes a 3% to 4% convenience fee which cover your processing fees. If cash is used, there is no fee assessed, therefore implying a discount by paying with cash.

The explicit language in the Durbin Amendment which states that businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit cards.

The End Result

You pay 0% and $0 in processing fees, completely eliminating the fees you would have paid in previous months and previous years for accepting credit cards, and debit cards.

What is 'Flat-Rate' processing

Flat-Rate Processing became popular with the emergence of payment aggregators like Paypal, Square, Strip, and other online payment processing software companies. This includes the flat rate of 2.9% and $0.15. You never pay a monthly fee, monthly minimum fee, statement fee or on-file fee or PCI compliance fees. The problem with these online aggregators comes when you operate outside of the parameters of their processing portfolio. These payment software companies will essentially hold your money while they investigate your payment processing account. If you processed $10,000 in payments for the month, and you're normally processing $5,000 - they will likely hold your money while they investigate where the increase came from. They demand documentation; bank statements, receipts, invoices, and a wide range of documents while they hold your money from anywhere between 45 days and 180 days.

Our Flat-Rate Solution

All of our payment processing clients are properly vetted and approved well before you accept your first transaction. This 100% eliminates any need to hold your money or shut down your account. You will never have your money held or account shut down with Superior Marketing. We offer flat-rate pricing with various types of businesses.

Our flat-rate pricing solutions ranges from the following:

  • 2.5% + $0.10

  • 2.75 + $0.05

  • 2.95%

We must analyze your business model, average ticket, overall sales volumes, types of cards accepted to ensure that you have the best possible pricing option that offers you the lowest possible fees for accepting card payments.

What is 'MO/TO' processing

MO/TO is an old business model, but it is still in existence today to some extent. MO/TO stands for Mail Order / Telephone Order. In short, there is a great deal of risk associated with transactions completed over the phone or through the mail. The increased level of fraud presents a huge risk for card brands and the business alike. Therefore, the card brands (Visa, Mastercard, Discover, and American Express) charge you MO/TO pricing on anything completed without a customer receipt signed, or pin number entered. These actions signify the customer was present during the transaction and the signature or pin number is the customer granting permission to run their card.

MO/TO in Today's Business Climate

During Covid-19, there is a greater volume of orders being taken over the phone. Especially, if you're a restaurant or retail location that still took orders over the phone and asked for a customers card number and personal information. You were charged MO/TO pricing. MO/TO pricing is (on average) 31% higher.

The Solution to MO/TO

The solution to MO/TO fees is to integrate an online ordering platform, a shopping card or online store. The online payment integrations allow the customer to enter their payment information directly without every exchanging hands or giving our card information. Another option is to email an electronic invoice whereas the customer pays the invoice with their card and the information never exchanges hands.

Beware of 'Tiered Pricing'

If this is a new term for you, let me shed some light on the term and deceptive business practice. Tiered pricing is when a merchant services sales rep tells you that you're going to pay 1%. Honestly, the interchange fees or "cost of the card" are much higher than 1%. The average cost of interchange or "cost of the card" is 1.7% alone. So, there is no way on earth they can get you processing payments at 1%.

What does that mean?

What they are telling you is that you're paying 1% above the cost of the card. In short, if 1.7% is the cost of the card, they're going to tack on 1% to that bringing you to a 2.7% for transactions. This will be in addition to whatever fees they wish to bury in the statement at the end of the month.

The Junk Fee Family

These can include membership fees, on-file fees, monthly fees, monthly minimum fees, customer service fees, batch fees, statement fees, and the haunting early-termination fees. All of these can add up quickly and put you well over 4%. In that case, you're better off using Square, PayPay or Stripe and eating those high fees.

At Superior Marketing we don't believe in the "nickel and dime" business model. We are simple, and transparent so you can conduct business worry-free knowing you're paying the lowest fees possible and maximizing your profit margin.

What is 'Interchange'?

In 100% of merchant services statements you will see a section that is headlined with the word, "interchange."

Interchange are the fees that the card issuing bank must pay to cover handling costs, fraud and bad debt costs and the risk involved in approving the payment. Card issuing banks, payment processors, card networks and payment gateways all charge to use their networks and link those networks together to make electronic payments possible. Those fees are called, "interchange."

This is not something any processing company, processing sales representative or payment processing broker can change. They simply exist as a cost of doing business.

Interchange Can Be Manipulated

They can, however, be manipulated with the Cash Discount or Reverse Cash Discount program; whereas the customer ends up paying the fees the business would normally pay for card transactions. The interchange fees are still paid, and the mark-up the service provider is also paid by the customer during their transaction plus the convenience fee. This is the only method available to businesses right now.

There are over 300+ Interchange Fees

Interchange is not static, it is not a flat number. The interchange fee is typically associated with the type of card that is being used to complete a transaction. In terms of rewards, points, miles, cash-back and other perks with a credit card; the more perks the higher the interchange. A strict debit card has the lowest interchange rate as the fees are simply accessing the network, assessing fraud and risk, as well as covering bad debts.

Is Superior Marketing a credible company?

Superior Marketing operates as a broker of merchant services and payment processing technologies. Think of Superior Marketing just as you would your independent insurance agent. Your independent insurance agent can help you secure and insure your assets through StateFarm, American Family Insurance, Progressive, All State, or any other major insurance carrier. This is the same for Superior Marketing. We broker services through the top 7 payment processing companies in the world .

The Advantages of a Broker

The primary advantage of a broker is that I work for you, the business owner. My primary goal is to help you streamline your operations, lower your payment processing fees, and help increase your number of transactions. Employees of companies like First Data, Fiserv, Tsys, WorldPay, or Global Payment Services are working for the company and their primary goal is to increase the portfolio of their company and meet their quotas. Their goal is to make as much off of your account as possible so they can meet monthly quota, increase the companies valuation, and ultimately get promoted.

My Stint with Corporate Processing Companies

In 2014, we worked with Heartland Payment Services and their primary goal was to meet quota every single month so corporate can reward each region with a bonus. The goal was to make sure every company we signed provided the greatest profit margin possible and lock them all into a 48 month contract that had a $500 early-termination fee should they want to switch processing companies.

The Status of Superior Marketing Today

Superior Marketing processes an average of $3,000,000+ in payments each month for various types of businesses of various sizes. This includes grocery stores, convenience stores, non-profit organizations, e-commerce businesses, and retail locations. We process payments for pay-at-the-pump, mobile applications, and the standard counter-top terminal type transactions.

Our average client processes $63,000 per month in credit cards and debit cards, meanwhile the industry average is $18,000 per month. The entire portfolio pays an average of 2.182% per month in processing fees, some pay more and some pay less, based on their type of business and which cards they're accepting.

Do you offer free equipment?

Yes. We offer free counter-top terminals for all businesses, no matter the size or processing volume. If you process $2,000 per month or $200,000 per month, we provide a free counter-top terminal; the PAXS80 or Dejavoo Z8. Businesses with other needs for smart terminals or point-of-sale systems, we'll find a way to get you equipment. Our goal is to get you processing payments with lower fees and operating your business as efficiently as possible while focusing on increasing your profitability. We would rather have you as a client processing low payments versus focusing on making as much as possible off of you.

Do you offer 'Pay-At-The-Pump'?

Yes! We integrate with every single fuel management system. We simply coordinate with your fuel pump service provider or jobber and provide them with programming sheets called, "VAR Sheets", and they use those codes to program in the processing account with all of the card types you wish to accept.

We integrate with Gilbarco Veeder-Root, and Dover Fueling Solutions which are the only two U.S. based fuel dispensers companies.

How much does it cost to open a merchant account?

$0. Now and forever, it will and should cost you $0 to open an account. There are a lot of payment processing companies, sales representatives or brokers that will charge you an 'Application Fee.' You should never have to pay a fee to submit an application to get your merchant account set up.

At Superior Marketing, we never charge an application fee. It is 100% free to get set up.

What if I need to close my account?

If for any reason you need to close your account, or simply want to close your account. Simply contact Superior Marketing, and we'll help you close your account - no questions asked. We would greatly appreciate a reason, but we'll never ask you why.

There is zero fee to close your account. There is no early-termination fee. There is no account-closure-fee, or any other fees associated with closing your account.

Why should we choose Superior Marketing?

Superior Marketing has a unique position in the market.

Unique Position of Superior Marketing

Superior Marketing has operated for 13 years as a digital marketing firm. We have serviced clients in all 50 U.S. states and 4 foreign countries. We have helped started over 100+ businesses through the Wisconsin Department of Workforce Development, and provided outsourced sales solutions to mid-sized companies and corporate technology companies. There isn't any sized businesses we haven't helped growth their revenue cycles; whether new business or monthly recurring.

In corporate sales as an outsourcing companies, we had transformed the way legacy sales teams conducted business by taking their sales activities online to help them produce more opportunities, thus increasing their sales metrics and increasing company valuations.

Historical Client Performance

Historically, we have helped our clients increase their sales by 28% within the first 90 days. We have done this by understanding how our client's businesses operate which opportunities and strengths are present and maximizing them while minimizing the weaknesses and threats. Our experiences have provided us tremendous insights into how businesses operate, and which strategies produce optimal results.

Integrate Payment Technologies

Our goal isn't to just get your processing account, we want to fully understand how your business operates so we can lower your processing fees. The lower processing fees afford you more cash flow to invest into marketing activities that produce greater revenues while keeping your business as lean as possible. The technology helps streamline your operations and eliminate 30% of your daily tasks of recording, reporting. You can place 30% of your day into growing your business and coming up with new ways to enhance customer experience, improve overall employee training and impact the health of your business.

Schedule Your Free Analysis

We offer a free, no-obligation analysis which includes a review of your processing statements to show you exactly where your savings will come from, how to upgrade your payment technology devices, and improve your ability to increase your monthly revenue with customer loyalty programs.