How The EDGE Program Works

Small and medium-size business owners who sign up for the EDGE Program by North American Bancard (now, called North™), can access a comprehensive suite of benefits designed to eliminate or substantially reduce credit card processing costs, increase profitability, and streamline operations.

If You Sell $250.00 Worth Of Product, You Keep $250.00

Eliminate Credit Card Processing Fees with the EDGE Program

The EDGE Program gives in-store customers the option to pay in cash or by credit card. It’s their choice.

  • When paying by cash, the buyer enjoys a small cash discount.
  • When paying by credit card, the store owner passes along the credit card processing fees to the cardholder.

This strategy of blending cash discounting with card brand compliant surcharging allows merchants to enjoy the same profit margin regardless of the payment method.

Get a free PayAnyWhere Mini Smart Terminal upon activation. *A $479.00 value. 

If you need more than one terminal, please contact us for price quote. No upfront or monthly costs for hardware; however, there is a $9.95 monthly software fee. You never pay for the hardware, just return it in good working order if you ever leave us. 

EDGE Program. Customer Experience Demo. from KJ ProWeb on Vimeo

  • Totally Eliminate - or substantially reduce credit card processing fees.
  • Increase Profit Margins - by passing card processing fees to the cardholder. Our smart point-of-sale terminals automate this process for you. With the EDGE program, the cost of accepting credit and debit cards is built into the posted price. When a customer pays with a card, they pay the listed price (which includes the processing fee).
  • Enhance Cash Flow - Unlike card transactions which may take up to 48 hours to settle (or an entire weekend), EDGE cash discount puts money in hand today.
  • Blazing Fast Deposits Of Card Transactions - With Next Day Funding, transactions processed and closed Monday – Friday before 10 p.m. ET will be deposited into your bank account by 10 a.m. ET the next business day. Our Same Day Funding allows you to have all transactions closed and processed before 10:30 a.m. ET deposited by 5 p.m. that same day.
  • No Additional Fees: The EDGE program removes common monthly, annual, and compliance fees, so you’re not losing profit to hidden or recurring charges.
  • Perfect Fit - for businesses with a high volume of small ticket transactions - like coffee shops, bakeries, food trucks, quick-service restaurants, and retail stores, where processing fees can quickly add up.
  • Perfect Fit for Businesses Operating On Thin Profit Margins - where every dollar saved on unnecessary fees (like credit card processing fees) directly impacts profitability.
  • Perfect Fit for Cash-Friendly Environments - Businesses where customers are accustomed to paying with cash or are motivated by discounts (e.g., dollar stores, smoke shops, gas stations).
  • Perfect Fit for Professional and Home Services - Service providers such as plumbers, electricians, lawn care, and personal services (salons, auto repair) can also benefit, especially when billing for services rendered on-site.
Edge Program Customer Receipt

The EDGE program is a dual pricing model that helps business owners increase profitability at the point of sale — regardless if customers pay by cash or card.

Sample of an actual receipt. On the right you see the Cash Discount featured in red. When customers pay in cash they are rewarded in the form of a cash discount.

Six Powerful Benefits

Zero % Processing Fees

Retail stores large and small totally eliminate credit card processing fees at the point-of-sale.

Your Choice of 6 POS Terminals

Receives a FREE Verifone Vx520 swipe terminal or a portable Verifone Vx680 payment system, or PayAnywhere© Smart terminal.

FREE Marketing Tools

You are provided with FREE signage that explains the program to your customers.

No Sign Up Fee

No Sign Up Fee or Application Fee & No Long Term Binding Contract Required.

Dual Pricing Model: The EDGE program uses a dual pricing model to provide cash discounts to customers to choose to pay by cash rather than credit card or debit card. Our system automatically adjusts transactions based on the payment method to improve your profit margins.
Substantially Reduce or Totally Eliminate Credit Card Processing Fees. Zero-fee processing, also known as no-fee processing, is a payment processing model where businesses don't pay transaction fees when accepting credit card payments. Instead, these fees are passed on to the customer, either through a surcharge or by offering a cash discount. This allows businesses to keep the full transaction amount without deductions.
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Payments Hub | CRM
  • All-in-One Mobility & Flexibility - *Accept payments anywhere: at the counter, table, or on the go, with both 4G and Wi-Fi connectivity. Sleek, portable hardware with a large touchscreen, built-in receipt printer, barcode scanners, and dual cameras for inventory management and rapid checkout.
  • Business Management Integration * Real-time inventory tracking, sales analytics, and employee management directly from the terminal or via the PayAnywhere Inside portal—no need for separate software. Manage and track sales activity of individual waiters, sales reps, or vendors, enabling detailed performance insights and accountability.
  • Seamless Customer Engagement - *Accept all major payment types: EMV chip, NFC/contactless, magstripe, and PIN debit, ensuring a frictionless customer experience.
  • Payments Hub: Next-Level Back-Office Control
  • Manage payments, view transactions, track inventory, oversee employee activity, generate reports, and handle disputes—all from a single, user-friendly online portal.
  • Send invoices, set up recurring billing, and manage customer profiles with ease.
  • Omnichannel Payment Collection - *Free virtual terminal included, enabling acceptance of online, phone, and card-not-present payments—expanding revenue opportunities beyond in-person sales.
  • Innovative Payment Links - *Instantly create and share payment links for one-time or recurring payments via website, social media, email, text, or QR code—ideal for remote billing, fundraising, or flexible sales scenarios. This feature empowers businesses to get paid anywhere, anytime, without needing a physical terminal.
  • Custom Alerts & Equipment Management - *Set up custom notifications, order supplies, and manage equipment warranties directly within the portal, streamlining daily operations.