POS Fee Calculator | Utah Revenue Radar
Northern Utah's Independent POS & Payments Advisor — No hidden junk fees. Ever.
POS Fee Transparency Tool

Most POS Systems Take 3%+ on Every Swipe.
There's a Better Way.

Whether you're running a restaurant, retail shop, or service business — if you're paying 3% or more in merchant fees, you're almost certainly overpaying. See exactly how much, in 3 minutes.

$8,400–$15,000+ Avg. Annual Overpayment
3 mins To Get Your Estimate
$0 Cost to Audit
Side-by-Side Breakdown

The Status Quo vs. Genius POS

Most POS providers — Toast, Clover, Square, and the rest — follow the same high-fee playbook. Here's how Genius is built differently.

⚠️ Typical POS
(Toast, Clover, Square & others)		 ⚡ Genius POS
💰 Monthly Software Fees
Entry-Level PlanBasic POS software $60–$70/moJust to use the software $0/moIncluded with processing
Full-Feature PlanOnline orders, reporting, loyalty, etc. $90–$272/moMore features = more fees $0/moNo tiered software fees
📊 Merchant Processing Rates
Processing RateWhat you pay per transaction 2.3%–3.5%+Flat-rate; processor keeps the spread Dual pricing from 0%Cash discount option available
Pricing TransparencyDo you know your true cost? Hidden markupFlat rate buries interchange cost Interchange-plusYou see exactly what you pay & why
🖥️ Hardware Costs
Terminal / POS HardwareStarter setup $599–$1,499Upfront, often non-negotiable Flexible / often $0Free terminal programs available
Hardware OwnershipDo you own it? Locked inProprietary — can't switch processors You own itWorks with your choice of processors
📍 Local Support
Support OptionsWho helps when things break? Remote onlyChat or phone — nobody local Local & On-SiteInstallation, call center & onsite visits
Utah-Based AdvisorSomeone who knows your market ❌ NoneCorporate call centers only ✅ IncludedDedicated local rep
Overall Verdict
Overpriced
High fees, locked ecosystem, no local help
Best Value
Local support, lowest rates, no lock-in
💸

The Flat-Rate Trap

+0.8–1.2%

Flat-rate pricing sounds simple, but most processors pocket the difference between your rate and the actual interchange cost — quietly adding 0.8%–1.2% on every single transaction you run.

🔒

The Hardware Lock-In

$500+ to leave

Most POS hardware is proprietary — if you ever want to switch, you're looking at new equipment costs on top of early termination fees. Genius uses open hardware you actually own.

📈

Interchange+ Advantage

~40% savings

Genius passes true interchange costs directly to you with a small fixed markup — meaning you pay exactly what the card network charges, not whatever the processor wants to pad on top.

🏦
Enterprise-Grade Technology, Small Business Price
Genius is backed by Global Payments — one of the largest payment technology companies in the world, processing billions of transactions annually. That means you get the same payment infrastructure trusted by major retailers and national chains, delivered with the personal service of a local Utah advisor.
Your Personalized Estimate

How Much Are YOU Overpaying?

Enter your monthly numbers below and see a real side-by-side cost estimate in seconds — no matter which POS you're currently using.

⚡ Quick Cost Estimator
Takes less than 60 seconds. No email required.
📊 Your Monthly Cost Estimate
Your Current POS
—
per month (est.)
⚡ Genius POS (est.)
—
per month (est.)
—

*Estimates based on published rates and typical fee structures. Actual savings depend on your specific card mix and volume. A free audit gives you exact numbers.

⚠  Wanted For Fee Crimes  ⚠

The Usual Suspects
in Your Merchant Statement

💰 Reward: Find out what you're actually paying — get a free audit
🍞
Toast
Restaurant POS
2.49–3.5%
+ $0.15/txn · up to $272/mo software
Last seen: locking restaurants into proprietary hardware and quietly raising software tiers every year.
🍀
Clover
Retail & Restaurant
2.3–3.5%
+ add-ons · $60–$175/mo software
Known accomplice: Fiserv. Resold through banks at inflated rates. Hardware goes nowhere without them.
🟦
Square
Small Business POS
2.6–3.5%
flat-rate · no volume discounts ever
Goes in easy. Never gets cheaper. No interchange-plus option — takes the spread on every swipe, forever.
💡
Lightspeed
Retail & Restaurant
2.6%+
+ $119–$399/mo software fees
Charges premium for the software, then charges again on every transaction. Double-dipping with a smile.
4️⃣
Shift4
Hospitality & Retail
2.49–3.5%
+ gateway fees · monthly minimums
Gateway charges and support fees layered under a complex statement. Good luck finding them all.
🏧
Legacy Terminal
Cash Drawer + Standalone Reader
2.75–4%+
+ rental · PCI fees · no data whatsoever
No inventory. No reporting. No integrations. Still charging the most. The original fee crime — and somehow still roaming free.
⚡
Genius POS
Retail & Restaurant
From 0%*
$0 software · interchange-plus · local support
Charges you what the card networks actually charge — nothing more. No lock-in. No markups. One local Utah rep who answers the phone.

*With dual pricing / cash discount program. Standard interchange-plus rates apply for card transactions. Rates vary by volume and card mix.

Done Paying 3%+ on Every Sale?
Get Your Custom Audit — Free.

We'll analyze your exact statement, identify every fee, and show you exactly what Genius would cost you — side by side. No pressure, no obligation.

Get Your Custom Audit →
✅ 100% Free ✅ No Obligation ✅ Utah-Based Advisor ✅ Results in 24–48 Hours