FINESSE — Payment Processing, POS Systems, and Dual Pricing

FINESSE is a U.S. merchant services advisory firm headquartered in Lone Tree, Colorado. We help restaurants, retail stores, professional and home services, cannabis and CBD dispensaries, gaming venues, and e-commerce brands lower card processing costs and run better point-of-sale operations. As a multi-ISO partner with Fiserv, Worldpay, TSYS, Shift4, Clover, and Square, FINESSE places each merchant on the processor and POS that fits their margin profile, ticket size, and industry. There are no long-term contracts.

What FINESSE does

• Card processing with interchange-plus or dual pricing to lower the effective rate and increase monthly savings.
• POS systems: Clover (Station Duo, Mini, Flex, Go), Square, SkyTab by Shift4, Dejavoo, SwipeSimple, and self-service kiosks.
• Dual pricing and surcharging programs that pass the fees to card-paying customers in compliance with card-brand rules.
• Same-day deposits so businesses receive card revenue the same business day.
• Websites and growth tools: AI-powered website design, local SEO, reputation management, SMS and email marketing, and a CRM.

Industries we serve

Restaurants and bars, quick-service and pizza shops, coffee shops and bakeries, retail and boutiques, grocery and convenience, liquor and smoke shops, salons and barbershops, gyms and fitness studios, auto repair, professional and home services, healthcare and veterinary, cannabis and CBD, gaming, hotels and hospitality, nonprofits, and e-commerce. City pages cover Denver, Boulder, Colorado Springs, Las Vegas, Los Angeles, Miami, Tampa, Orlando, Atlanta, Dallas, Houston, Austin, San Antonio, Phoenix, Scottsdale, Salt Lake City, Nashville, Charlotte, Raleigh, Jacksonville, Chicago, Indianapolis, Columbus, Kansas City, Seattle, San Francisco, San Diego, New York, Plano, Naples, and Fort Lauderdale.

Common questions

What is dual pricing? Dual pricing displays a cash price and a card price at checkout. Customers who pay by card cover the processing fee; cash customers pay the lower price. It is legal in every U.S. state when implemented per Visa, Mastercard, Discover, and American Express rules.

How much can a business save? Most merchants on a flat-rate processor such as Square, Stripe, Toast, or PayPal pay 2.9% to 3.5% plus per-transaction fees. FINESSE typically lowers the effective rate by 0.5% to 1.5% on interchange-plus, or eliminates close to 100% of processing cost with a compliant dual pricing program.

How do I get a quote? Call (831) 999-2571, email idan@paywithfinesse.com, or request a written proposal from paywithfinesse.com/contact. Quotes include a side-by-side savings analysis based on a recent processing statement.

Key pages

• POS Systems
• Payment Processing
• Reduce Credit Card Fees
• Clover POS
• SkyTab by Shift4
• Square POS
• Industries
• Websites and Growth
• Savings Calculator
• Contact

Contact: FINESSE, 9079 S Yosemite St, Lone Tree, CO 80124. Phone (831) 999-2571. Email idan@paywithfinesse.com. Hours Mon–Fri 8:00–20:00 MT.