Free POS for qualified merchants, with a team that actually answers.

Croft Business Solutions is your local partner for quotes, setup, POS, websites, and ongoing support. Omega Bank Card Services is the exclusive payments platform behind all Croft processing programs, hardware placements, cost-recovery pricing, and Omega Rewards. You work directly with Croft Business Solutions; your merchant account and card processing run on Omega's proven infrastructure.

Get My Instant Quote is our savings calculator at croftbusiness.com/quote. Enter your business type, monthly card volume, and what you pay today, about two minutes, no statement file required. You see illustrative costs across Croft programs side by side. Add your work email when you want the full personalized comparison unlocked. A formal proposal still comes from underwriting and a real statement review.

Qualified businesses may receive POS hardware placement at no upfront equipment cost as part of an approved processing program through Omega Bank Card Services. Qualification depends on factors like monthly card volume, business type, and program fit, not every merchant qualifies. Your Croft rep explains exactly what applies before you sign anything.

Yes, qualified businesses can receive POS hardware at no upfront cost as part of our processing program with Omega Bank Card Services. Qualification is based on monthly processing volume, business type, and program structure. We match equipment to how you operate: counter, mobile, multi-lane, or industry-specific systems like Retailz for smoke shops and convenience retail.

Our featured program combines transparent processing with a simple monthly service structure, often advertised alongside no-cost POS placement for qualified merchants. Exact rates and inclusions depend on your volume, card mix, and pricing model (flat, interchange-plus, or dual pricing). Your instant quote and statement review show real numbers for your business, not a one-size-fits-all pitch.

Our team typically reviews standard processing statements within 24-48 business hours after we receive them. We email a breakdown in plain English, effective rate, junk fees, and where markups hide, so you can compare apples to apples before you switch.

Yes. Use Get My Instant Quote to model savings with volume and current costs, no statement upload needed for that step. For a binding, apples-to-apples proposal, we still need your most recent statement so we can map every fee line. If you do not have it handy, call us and we will walk you through requesting it from your current processor.

Visit our Get Started page and upload your most recent processing statement (PDF). You can also start at /quote for the instant calculator first. If you prefer a human walkthrough, call (678) 689-8901 and we will guide you through the process.

Dual pricing posts two transparent prices: a lower cash price and a card price that reflects the cost of card acceptance. It is fully compliant with Visa and Mastercard rules when implemented correctly, with proper signage, register setup, and receipt language. It is not the same as adding a surcharge on top of a single posted price.

No. Dual pricing shows two posted prices for goods or services. Surcharging adds a fee at checkout on top of one price. Network rules and state laws differ for each model. Croft Business Solutions sets you up for the structure that fits your business and keeps you compliant.

Interchange-plus (cost-plus) pricing is the most transparent model, true interchange cost plus a small, disclosed markup. It often saves higher-volume businesses 0.5–1.5% annually compared to tiered or bundled flat-rate pricing. We show you a side-by-side comparison during your statement review so you can see which structure wins for your volume.

No long-term lock-ins. We believe in earning your business every month. Agreements are straightforward and month-to-month with no early termination fees.

Most businesses are approved and live within 48-72 hours after underwriting. Our team handles equipment configuration, installation, and staff training so you can start taking payments confidently, not just ship a box and disappear.

Croft Business Solutions gives you a dedicated rep, a real statement audit, and program options matched to your volume, flat, interchange-plus, or dual pricing, plus POS hardware for qualified merchants through Omega Bank Card Services. Aggregators and bank reps often bundle rates or hide markups on busy statements. You get human support from quote through go-live, not a call-center ticket queue.

Clover is our most recommended all-in-one option for restaurants, retail, and service businesses. We also support industry-specific systems, Retailz for smoke shops and convenience, TouchBistro, Aloha, Payment Bridge for healthcare, Bodega AI, and more. Browse the full directory at /pos or tell us your industry and we will narrow the list.

We serve merchants nationwide, restaurants, retail, smoke shops, healthcare, dental, auto repair, HVAC, salons, contractors, hotels, grocery, pharmacies, and most other card-accepting businesses. If you take card payments, we can usually help.

We support Visa, Mastercard, American Express, Discover, contactless tap-to-pay, Apple Pay, Google Pay, and EBT where applicable. Mobile, countertop, and gateway options cover in-person, invoiced, and online payments.

Yes. Qualified accounts can receive next-day funding directly to your business bank account, subject to underwriting and batch timing with your bank.

We aim for clean programs without the junk fees common on legacy statements, PCI non-compliance penalties, statement fees, batch fees, and similar line items are exactly what we surface in your audit. Your formal quote spells out what you pay so there are no surprises.

Omega Rewards is a merchant rewards program powered by Omega Bank Card Services. Eligible Croft merchants can earn rewards tied to processing activity. Visit /omega-rewards to see how it works, who qualifies, and what success looks like for businesses like yours.

See If You Qualify is a short pre-qualification flow at /prequal, a few questions about your business type, volume, and goals so we can tell you quickly whether no-cost POS placement or a featured program is realistic before you invest time in a full application.

We serve merchants nationwide. Croft Business Solutions is headquartered in Pensacola, FL, with hands-on local support on the Gulf Coast and throughout North Georgia, but processing, POS, and remote onboarding work for businesses anywhere in the U.S.