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Omega Rewards

Provided by Omega Bank Card Services

Lower costs. Cleaner pricing. Rewards on top.

Croft helps qualified businesses cut processing costs, simplify their statements, and earn rewards on every dollar they run, with no extra work.

Get My Instant Quote How it works
~48hr
Typical activation
$0
Enrollment cost
Automatic
Earning
124,800
Points Available
MerchantPeachtree Grill
+2,340
Earned this month
$58k
Volume this month
See your numbers

Try the Omega Rewards calculator

Enter your volume to see what cost-recovery and rewards could look like for your business.

Why Merchants Switch

Why Merchants Switch to Croft

Lower costs come first. Everything else (cleaner pricing, better support, rewards) is the upside.

1

Lower processing costs

Many qualified businesses pay less with Croft's cost-recovery pricing model. Send us a recent statement and we'll show you exactly where you stand, with no obligation and no pressure.

2

Transparent pricing, clean statements

No mystery line items. No buried fees. You see what you pay, in plain language, every month.

3

Modern POS & real support

Equipment that fits how you run your business, and a team that actually picks up the phone. We help you get set up and stay running.

4

Rewards as extra upside

When you're on our cost-recovery model, Omega Rewards comes included. Earn points automatically on your processing volume and redeem for travel, gift cards, electronics, and more.

Simple Comparison

Traditional pricing vs. cost-recovery in plain English

Most businesses have been on traditional pricing their whole life without questioning it. Here's what changes when you switch.

Traditional pricing
Merchant absorbs the fees

Processing costs come straight out of your margin

You bear the full cost of processing; rewards may be available depending on your pricing model.

The system wasn't built around your bottom line

You pay the fees; your margin takes the hit.

Croft cost-recovery
You offset card costs compliantly

Compliant setup with proper signage and receipt language

We guide you through every step.

Omega Rewards included

Earn points on your volume and redeem whenever you want.

Most qualified merchants eliminate 99% of their processing costs

Lower costs, rewards on top.

Rewards in Plain English

You process. You earn. Simple.

Omega Rewards lets you earn points on the card volume you already run, automatically, in the background. No customer sign-up. No new systems. Points accumulate in your dashboard and you redeem when it makes sense for you: travel, gift cards, electronics, or cash back.

Not a consumer rewards program

You earn and redeem; customers never see it

No extra steps, ever

How It Works

Getting started takes minutes, not months.

Three steps to rewards: we handle the setup; you start earning.

1
1

We review your statement

Send us a recent processing statement. We run your numbers through our instant quote flow and show you your current costs and whether cost-recovery could work for you.

2
2

We set up cost-recovery

We handle a compliant cash discount / dual pricing setup, including proper signage and receipt language. We walk you through every best practice.

3
3

Rewards activate automatically

Once you're on cost-recovery, Omega Rewards turns on. Points start accruing on your volume immediately, with no extra steps from you.

Real Numbers

See what this looks like for businesses like yours.

These are illustrative examples. Actual results vary based on transaction mix, card types, and volume. But they give you a realistic picture of what cost-recovery can do.

🍽️Restaurant
$45,000 / mo volume
Before
$990–$1,260
per month in fees
(2.2–2.8% rate)
With Croft
$35
flat per month
✦ Rewards Included
Potential annual savingsup to $14,700/ year
🔧Auto Repair / Retail
$30,000 / mo volume
Before
$600–$780
per month in fees
(2.0–2.6% rate)
With Croft
$35
flat per month
✦ Rewards Included
Potential annual savingsup to $8,940/ year

Actual results depend on your transaction mix, card types, and volume.

The Important Part

Every business is different. That's why we start with a free look at your statement.

We'll show you:

  • Your true effective rate
  • Any hidden fees buried in your current statement
  • Whether cost-recovery is a good fit for how you operate
  • What your rewards could look like at your volume

No obligation. No hard sell. Just a clear picture of where you stand.

Get My Instant Quote

Talk to a human, and we'll walk you through your statement and your options.

Common Questions

FAQ

Is this compliant?

Yes. We use a compliant cost-recovery (cash discount / dual pricing) setup. We guide you through proper signage and receipt language so you stay within card network and state rules.

Will my customers notice anything different?

With compliant cost-recovery, card-paying customers see a clear fee or adjusted price. Cash customers typically see a discount. We help you display it correctly so there are no surprises.

Does this mean I'm surcharging?

Cost-recovery and surcharging are different. We use a compliant cost-offset model. We'll explain exactly how it works for your business when we review your statement.

What if most of my customers pay by card?

Many merchants with mostly card volume still qualify. Your instant quote shows whether cost-recovery is a fit and what your numbers could look like.

Can I keep my current POS?

Often yes. We work with a range of systems. When you get your instant quote, we can discuss compatibility for your setup.

How quickly can this be set up?

Once we've reviewed your statement and you qualify, setup typically takes a short time. We'll give you a clear timeline when we talk.

What does the instant quote include?

We review your current processing statement and show you what you're paying today. If cost-recovery is a fit, we explain how it would work and what you'd pay and what rewards you'd earn. No obligation.

Are there contracts?

We keep terms straightforward. Ask us when you get your instant quote, and we'll explain the exact terms for your situation.

Do rewards expire?

We design the program so your points don't expire under normal use. Details are in your rewards dashboard once you're enrolled.

Your Dashboard

Your Omega Rewards Experience

Track earnings, view your points balance, and redeem, all in one place.

Omega Rewards merchant dashboard: track points, earnings, and redeem
What merchants say

Trust, onboarding, savings, support

Real feedback from businesses that switched to Croft, from setup to day-to-day processing and rewards.

Swipe to see more reviews
  • Google · Croft Business Solutions

    Croft Business Solutions completely transformed how we handle payments at our business. Cody and his team were professional, transparent, and completely focused on helping our business find the right solution. They walked us through all of our options and made sure we understood everything.

    Christopher Shaffer
    Local Guide
  • Client testimonial · Croft Business Solutions

    Cody and the Croft Business Solutions system have been a game-changer! Seamless integration, user-friendly interface, and top-notch support.

    Mark Moore
    croftbusiness.com
  • Google · Croft Business Solutions

    Croft Business Solutions set up our card machine for Emerson Liquor. Cody came and did everything fast and easy. He showed us how to use it and made sure it was working good before he left.

    Patel Randy
    Emerson Liquor
  • Client testimonial · Croft Business Solutions

    Since 2010, Cody has been consistently helpful and responsive. Croft Business Solutions has the best rates and delivers next-day deposits.

    Alex Gorenshteyn
    croftbusiness.com
  • Google · Croft Business Solutions

    Cody and His Team Took Care of Everything! We couldn’t be happier with the experience working with Cody and his team. They handled everything from start to finish and made the whole process smooth and stress-free.

    LuviMatch
  • Client testimonial · Croft Business Solutions

    Croft Business Solutions has the best rates I’ve found. Cody helped solve an equipment issue quickly and easily over the phone!

    Dr. Victor LaCour
    croftbusiness.com
  • Google · Croft Business Solutions

    Cody is great to work with. I’ve needed him to come twice to reconnect my payment processor because I was having a hard time with internet. Both times I called him he came to troubleshoot the same day! As a business owner, I greatly appreciate that customer service. I would highly recommend working with Cody!

    Dessie Walimaa
    Local Guide
  • Client testimonial · Croft Business Solutions

    We’ve trusted Croft Business Solutions for over a year, Cody’s service has been outstanding every step of the way!

    Daniel Tritt
    Tritt's Sporting Goods
  • Google · Croft Business Solutions

    Cody is top notch! No matter my question or issue he always has the answer! He is easy to reach and fast to respond. I cant recommend him enough! He knows his stuff. Always helping keep both my businesses clover system running smoothly

    Kelli Prescott
  • Google · Croft Business Solutions

    Wonderful customer service. I asked to change something on my website & he changed it for me within a few minutes.

    Tammy Lunsford
Get started

Get My Instant Quote

If cost-recovery is a fit, we'll show you exactly how it works and what you'd earn. No obligation. Prefer to talk? We're here.

Talk to a human. We'll walk you through your statement and your options.