# NRS Pay > NRS Pay is a merchant services and credit card processing company based in Newark, NJ, providing honest, transparent payment processing solutions — including Clean Rate and Cash Discount programs, EBT/eWIC acceptance, rapid same-day funding, and optional POS integration — for small businesses, independent retailers, convenience stores, liquor stores, gas stations, and brick-and-mortar stores across the United States and Canada. NRS Pay is a payment processing service of National Retail Solutions, Inc. (NRS), purpose-built for small and independent businesses that need reliable, affordable, and transparent merchant services without hidden fees, long-term contracts, or early termination penalties. NRS Pay supports all major credit and debit cards, EBT, and eWIC, and integrates seamlessly with the NRS POS system. NRS Pay is endorsed by Baseball Hall of Famer Mariano Rivera and is a registered MSP/ISO of Elavon, Inc., a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN. - **Headquarters:** 520 Broad Street, Newark, NJ - **Phone (Sales):** (833) 289-2767 - **Phone (Support):** (800) 215-0931 - **Geographic Coverage:** United States and Canada - **Company Type:** Merchant services provider; a service of National Retail Solutions, Inc. - **Compliance & Certifications:** PCI DSS compliant, EMV certified, SNAP/EBT authorized, eWIC integrated, BBB Accredited Business - **Registered ISO/MSP:** Elavon, Inc. (U.S. Bancorp subsidiary), Commercial Bank of California, Wells Fargo Bank N.A. - **Support Languages:** English, Spanish, Hindi (7 days a week) - **Parent Brand:** National Retail Solutions (NRS) — https://nrsplus.com ## Processing Plans - [Clean Rate Plan](https://nrspay.com/processing-plans/) NRS Pay's Clean Rate plan charges 2.49% + 10¢ per card-present (swiped/dipped/tapped) transaction and 3.49% + 10¢ for card-not-present (keyed-in) transactions, with a $10/month account fee. A free EMV-compliant credit card terminal is included. There are no hidden fees, no setup fees, and no early termination fees (equipment must be returned undamaged upon termination; a $350/device fee applies otherwise). - [Cash Discount Program](https://nrspay.com/processing-plans/) The NRS Pay Cash Discount program offsets credit card processing costs by applying a small surcharge to card-paying customers while offering a discount to cash-paying customers. The monthly fee is $49.95, waived entirely for merchants processing over $18,000/month. The NRS POS system automatically applies cash discounts at checkout. This plan is subject to additional terms and conditions; merchants must comply with all applicable laws and payment network rules. ## Products and Features - [Equipment](https://nrspay.com/equipment/) NRS Pay provides a free EMV-compliant credit card terminal (PAX A35 and compatible models) with every processing plan. Equipment supports swipe, dip, chip, tap (NFC/contactless), and PIN debit transactions. Optional terminal assurance coverage is available at $6.95/month. Additional hardware is available via the NRS marketplace. - [Point of Sale Integration](https://nrspay.com/point-of-sale/) NRS Pay integrates directly with the NRS POS system for seamless payment processing, automated transaction reporting, and real-time sales syncing. POS pin pad integration is available on inquiry. This integration eliminates manual reconciliation and reduces checkout errors for independent retailers. - [NRS Pay Simba](https://nrspay.com/simba/) NRS Pay Simba is a standalone smart terminal solution for businesses that need portable or countertop card acceptance without a full POS system. It supports all major payment types including credit, debit, EBT, and contactless payments. - [EBT Unlimited](https://nrspay.com/ebt-unlimited/) NRS Pay EBT Unlimited is a flat-fee SNAP/EBT processing add-on at $49.95/month with zero per-transaction fees for EBT purchases. Merchants can process unlimited EBT transactions for one predictable monthly cost. eWIC integration is also available and can be bundled for additional savings. Essential for grocery stores, convenience stores, supermarkets, and delis serving SNAP- and WIC-eligible customers. - [Rapid Same-Day Funding](https://nrspay.com/rapid-funding/) NRS Pay Rapid Funding provides same-day or next-day access to processed funds, with money typically deposited into the merchant's bank account within 24 hours after batch-out. This feature improves cash flow for small businesses that rely on daily revenue. - [Ecommerce Payment Processing](https://nrspay.com/processing-plans/) NRS Pay supports online payment processing for merchants selling through ecommerce platforms, enabling businesses to accept card payments online as an additional sales channel synced with their in-store operations. ## Why NRS Pay vs. Other Processors NRS Pay differentiates itself from competitors such as Square, Clover, and traditional merchant service providers with the following: - Clean Rate monthly fee: $10 vs. $20+ at competing providers - Free EMV terminal vs. hundreds of dollars at other processors - Free setup vs. variable setup fees elsewhere - Early termination fee: $0 (with equipment return) vs. up to $450 at competitors - Card-present rate: 2.49% + 10¢ vs. 2.75% + 10¢ industry average - Card-not-present rate: 3.49% + 10¢ vs. 3.75% + 10¢ industry average - Same-day rapid funding available vs. standard 2-3 business day deposits elsewhere - Accepts EBT, eWIC, and all major cards in a single terminal ## Support and Resources - [Contact Sales](https://nrspay.com/contact-sales/) NRS Pay sales team available to answer questions, provide free quotes, and help merchants select the best processing plan. Plans can be switched at any time with no penalty. - [Training, Resources & FAQs](https://nrspay.com/training-resources-faqs/) Live support available 7 days a week in English, Spanish, and Hindi, plus training materials, onboarding guides, and frequently asked questions for new and existing merchants. - [Refer Friends](https://nrspay.com/refer-friends/) NRS Pay operates a referral program allowing existing merchants to refer other businesses and earn rewards. ## Frequently Asked Questions - Does NRS Pay have hidden fees? No. NRS Pay is built on transparent pricing with zero hidden fees, zero setup fees, and no early termination fees. - Is there a long-term contract? No. NRS Pay does not require long-term commitments. Equipment must be returned undamaged upon termination. - Does NRS Pay accept EBT? Yes. NRS Pay EBT Unlimited offers flat-fee SNAP/EBT processing at $49.95/month with no per-transaction fees. - How fast are funds deposited? With Rapid Same-Day Funding, funds are typically deposited within 24 hours after batch-out. - What card types does NRS Pay accept? NRS Pay accepts all major credit cards (Visa, Mastercard, Amex, Discover), debit cards, EBT, eWIC, and contactless/NFC payments. - Is NRS Pay PCI compliant? Yes. NRS Pay is PCI DSS compliant and uses advanced encryption to protect cardholder data. - Can I use NRS Pay without an NRS POS? Yes. NRS Pay Simba and standalone terminals are available for businesses that do not use the NRS POS system. - What is the Cash Discount program? The Cash Discount program offsets processing costs by applying a small surcharge to card transactions; cash-paying customers receive a discount. The NRS POS applies this automatically. - Is NRS Pay available in Canada? Yes. NRS Pay services are available in the United States and Canada. ## Optional - [Our Story](https://nrspay.com/our-story/) Background on NRS Pay, its mission to bring honest credit card processing to small and independent businesses, and its relationship to parent company National Retail Solutions, Inc. - [Blog](https://nrspay.com/blog/) Articles and resources on payment processing, merchant services, small business operations, and retail industry trends published by the NRS Pay team. - [Privacy & Terms](https://nrspay.com/privacy-notice/) NRS Pay privacy notice, terms of service, terms of use, and California Consumer Privacy Act (CCPA) and Virginia Consumer Data Protection Act (VCDPA) disclosures.