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Zero Cost Processing,
To The Merchant

Eliminate 100% of your card processing costs.

Why Process With ArmourPay?

Zero Cost Processing

Stop Paying To Accept Cards

Our platform seamlessly builds the processing cost into each transaction, passing only a minimal surcharge to the cardholder.

Zero Cost Processing

Stop Paying To Accept Cards

Our platform seamlessly builds the processing cost into each transaction, passing only a minimal surcharge to the cardholder.

Powerful Equipment

Smart Equipment, Smarter Payments

Clover’s versatile equipment combined with ArmourPay’s zero-cost processing creates an all-in-one system that accepts every payment type and manages your business in real time, from anywhere.

Powerful Equipment

Smart Equipment, Smarter Payments

Clover’s versatile equipment combined with ArmourPay’s zero-cost processing creates an all-in-one system that accepts every payment type and manages your business in real time, from anywhere.

Premier Customer Service

No Bots. No Hold Music. No Runaround.

Real people, fast support, and a team that actually answers the phone.

Premier Customer Service

No Bots. No Hold Music. No Runaround.

Real people, fast support, and a team that actually answers the phone.

We change the way you get paid

Powered by recent law changes and proprietary software, ArmourPay enables businesses to eliminate processing fees by applying a service fee to card transactions while offering discounts to cash customers.

ArmourPay 0% Processing
Eliminate all fees, once and for all

Thanks to updated regulations and ArmourPay’s proprietary technology, businesses can now eliminate credit card processing costs entirely. Our system applies a small service adjustment at checkout while rewarding customers who pay with cash.

Get Started

See if your business qualifies for 0% Processing

How Does It Work?

Get Started

💳

Service Fee Added

New regulatory updates and our advanced technology allow a minimal, compliant service fee to be applied to every card payment—eliminating your processing costs.

💳

Service Fee Added

New regulatory updates and our advanced technology allow a minimal, compliant service fee to be applied to every card payment—eliminating your processing costs.

💵

Cash Gets a Discount

Cardholders pay the service fee, while customers who choose to pay with cash automatically receive an instant discount

💵

Cash Gets a Discount

Cardholders pay the service fee, while customers who choose to pay with cash automatically receive an instant discount

🟢

Your Cost Drops to Zero

Because the cardholder covers the fee, your business no longer pays credit card processing expenses—saving you money every month.

🟢

Your Cost Drops to Zero

Because the cardholder covers the fee, your business no longer pays credit card processing expenses—saving you money every month.

Powerful Hardware, Cross Platform Software

Clover Flex POS +

Credit Card Processing

Sophisticated merchant services in a compact standalone countertop device

Accept all payment types

Get deposits fast and easy

All-in-one system. WiFi and LTE connectivity

Manage your business from anywhere

Best fits for

Quick-service Restaurants

Retailers

Services

just for

$39.99/mo

Get Started

Clover Flex POS +

Credit Card Processing

Sophisticated merchant services in a compact standalone countertop device

Accept all payment types

Get deposits fast and easy

All-in-one system. WiFi and LTE connectivity

Manage your business from anywhere

Best fits for

Quick-service Restaurants

Retailers

Services

just for

$39.99/mo

Get Started

Clover Mini POS +

Credit Card Processing

The POS that's small enough to fit into any space but powerful enough to run business

Full-featured tools for your business.

Swipe, dip, tap, or take cash-accept all the ways

Access your data anywhere you need

All-in-one system. WiFi or WiFi/LTE connectivity

Best fits for

Retailers

Grocery Stores

Quick-Service Restaurants

just for

$49.99/mo

Get Started

Clover Mini POS +

Credit Card Processing

The POS that's small enough to fit into any space but powerful enough to run business

Full-featured tools for your business.

Swipe, dip, tap, or take cash-accept all the ways

Access your data anywhere you need

All-in-one system. WiFi or WiFi/LTE connectivity

Best fits for

Retailers

Grocery Stores

Quick-Service Restaurants

just for

$49.99/mo

Get Started

Clover Station Duo +

Credit Card Processing

A POS that does it all

A screen for you, another for your customer

Receipt printer, cash drawer, connectivity hub

Online ordering, Inventory Management, Discounts, Employee Management ...

Contactless and traditional payments, paperless receipts, and offline payment mode

Best fits for

Retailers

Counter-service restaurants

Appointments & services

just for

$109.99/mo

Get Started

Clover Station Duo +

Credit Card Processing

A POS that does it all

A screen for you, another for your customer

Receipt printer, cash drawer, connectivity hub

Online ordering, Inventory Management, Discounts, Employee Management ...

Contactless and traditional payments, paperless receipts, and offline payment mode

Best fits for

Retailers

Counter-service restaurants

Appointments & services

just for

$109.99/mo

Get Started

Clover Station Duo +

Credit Card Processing

A POS that does it all

A screen for you, another for your customer

Receipt printer, cash drawer, connectivity hub

Online ordering, Inventory Management, Discounts, Employee Management ...

Contactless and traditional payments, paperless receipts, and offline payment mode

Best fits for

Retailers

Counter-service restaurants

Appointments & services

just for

$109.99/mo

Get Started

ArmourPay
Guarantee

Concierge Onboarding

Our team handles everything from start to finish, guiding you through each step for a seamless launch.

Master the System

Enjoy customized, one-on-one instruction at no cost. You’ll finish fully confident and fluent with your Clover setup.

Next-Day Hardware Replacement

If a device ever fails, we ship a replacement immediately—so your business never misses a sale.

Always-On Support

Round-the-clock access to experienced technicians, ongoing system updates, and continuous improvements—no extra fees.

Zero Cost Processing,
To The Merchant

Why Process With ArmourPay?

Stop Paying To Accept Cards

Stop Paying To Accept Cards

Smart Equipment, Smarter Payments

Smart Equipment, Smarter Payments

No Bots. No Hold Music. No Runaround.

No Bots. No Hold Music. No Runaround.

We change the way you get paid

Powered by recent law changes and proprietary software, ArmourPay enables businesses to eliminate processing fees by applying a service fee to card transactions while offering discounts to cash customers.

Powered by recent law changes and proprietary software, ArmourPay enables businesses to eliminate processing fees by applying a service fee to card transactions while offering discounts to cash customers.

ArmourPay 0% Processing
Eliminate all fees, once and for all

ArmourPay 0% Processing
Eliminate all fees, once and for all

Thanks to updated regulations and ArmourPay’s proprietary technology, businesses can now eliminate credit card processing costs entirely. Our system applies a small service adjustment at checkout while rewarding customers who pay with cash.

See if your business qualifies for 0% Processing

See if your business qualifies for 0% Processing

How Does It Work?

Service Fee Added

Service Fee Added

Cash Gets a Discount

Cash Gets a Discount

Your Cost Drops to Zero

Your Cost Drops to Zero

Powerful Hardware, Cross Platform Software

ArmourPay
Guarantee

Concierge Onboarding

Master the System

Next-Day Hardware Replacement

Always-On Support

Frequently Asked Questions

What is the ArmourPay Processing Program?

What kind of businesses can use ArmourPay?

What do I need to get started with ArmourPay?

Great! You’re ready to join ArmourPay. What’s the next step?

What if the ArmourPay Program isn’t a good fit for me?

Stop Paying To Accept Cards

Stop Paying To Accept Cards

Smart Equipment, Smarter Payments

Smart Equipment, Smarter Payments

No Bots. No Hold Music. No Runaround.

No Bots. No Hold Music. No Runaround.

We change the way you get paid

Powered by recent law changes and proprietary software, ArmourPay enables businesses to eliminate processing fees by applying a service fee to card transactions while offering discounts to cash customers.

Powered by recent law changes and proprietary software, ArmourPay enables businesses to eliminate processing fees by applying a service fee to card transactions while offering discounts to cash customers.

ArmourPay 0% ProcessingEliminate all fees, once and for all

ArmourPay 0% ProcessingEliminate all fees, once and for all

Thanks to updated regulations and ArmourPay’s proprietary technology, businesses can now eliminate credit card processing costs entirely. Our system applies a small service adjustment at checkout while rewarding customers who pay with cash.

See if your business qualifies for 0% Processing

See if your business qualifies for 0% Processing

What is the ArmourPay Processing Program?

What kind of businesses can use ArmourPay?

What do I need to get started with ArmourPay?

Great! You’re ready to join ArmourPay. What’s the next step?

What if the ArmourPay Program isn’t a good fit for me?

ArmourPay 0% Processing
Eliminate all fees, once and for all

ArmourPay 0% Processing
Eliminate all fees, once and for all