Simple, honest payment processing for local businesses.
MacMaster Processing partners with Patriot Processing, Payroc, Clover, and other trusted technology partners to deliver transparent pricing, modern equipment, and real local support.
Field payments, tap-to-pay, and POS that just works.
- Tap to Pay on iPhone & mobile wallets
- Smart terminals & countertop devices
- Full POS systems & QR ordering
- Online, invoice, ACH, and recurring payments
Solutions for how you get paid
Whether you’re in the field, behind a counter, or running a full-service operation, we match the right tools to how your customers actually pay.
Field Payments
Tap to Pay on iPhone and mobile readers for contractors, service calls, and on-site jobs.
Tap to Pay
Contactless payments with cards and mobile wallets – no extra hardware required.
Smart Terminals
All-in-one devices with built-in printers, tipping, and reporting.
POS Systems
Restaurant, retail, and specialty POS with table, tipping, and inventory tools.
ACH & Bank Transfers
Lower-cost bank-to-bank payments for high tickets, invoices, and recurring plans.
Pass-the-Fee, Consumer Choice & Cash Discount Programs
Want to stop eating 3–4% in fees every month? We design compliant dual pricing, pass-the-fee, and cash discount setups around modern Android terminals like Dejavoo QD2/QD4 and PAX A80/A920 Pro – so your customers keep the choice, and you keep more of your margin.
Pass-the-Fee / Dual Pricing
Show clear cash vs. card prices and recover most or all of your processing costs.
Consumer Choice Programs
Let customers pick how they pay while you run true dual pricing on Dejavoo QD Android terminals.
Cash Discount Options
Explore compliant cash discount, dual pricing, and surcharge models tailored to your industry.
ACH & Bank Transfer Payments
ACH (Automated Clearing House) payments move money directly from one bank account to another. No plastic, no swipe – just a secure bank-to-bank transfer that can dramatically cut your fees on large or recurring payments.
Why businesses use ACH
- Lower cost: Usually a small flat fee instead of a % of the sale.
- Great for high tickets: Ideal for big repair jobs, boat service, dental work, retainers, and B2B invoices.
- Recurring billing: Monthly drafts for memberships, service plans, storage, or retainers.
- Invoice & online friendly: Customers can pay via secure links in email or text – no card required.
- Cleaner reconciliation: Direct deposits to your bank simplify your books and daily close-out.
Where ACH fits best
- Contractors collecting deposits or progress payments.
- Medical & dental practices handling larger treatment plans.
- Auto repair & tire shops for bigger tickets and repeat fleet work.
- Boat dealers, marinas, and storage for high-dollar or recurring charges.
- B2B and wholesale accounts paying invoices on terms.
We’ll help you decide when to use ACH alongside your card programs, so you’re not overpaying for fees on transactions that could be handled more efficiently by bank transfer.
Information: Card Pricing Programs
Before you choose a program, it helps to understand how each card-based option works. Here’s a plain-language breakdown of pass-the-fee, consumer choice, and cash discount structures.
Pass-the-Fee / Surcharge Programs
With pass-the-fee programs, a small fee is added when a customer chooses to pay with a card. You keep your posted prices the same, but card users cover some or all of the processing cost.
- Often applied to credit card transactions only (debit is usually excluded).
- Common in professional services, contractors, and higher-ticket businesses.
- Must follow card brand and state rules – we structure this with you so it’s clear and compliant.
Consumer Choice / Dual Pricing
Dual pricing (consumer choice) shows two prices: a lower cash price and a higher card price. The customer chooses how they want to pay, and you keep more of your margin.
- Receipts and signage clearly show both prices.
- Works well in retail, liquor stores, auto service, quick-serve, and more.
- Modern Android terminals like Dejavoo QD and PAX A-series handle the math automatically.
Cash Discount Programs
A true cash discount program gives a small discount to customers who pay with cash or other low-cost methods, while card payments are taken at the standard price.
- Customers see a discount when they choose cash or approved low-fee options.
- Requires clear signage and a consistent process at the counter or point of sale.
- Can be paired with countertop terminals or full POS systems.
Industries we serve
Click a category to see a simple menu of the best-fit options. These will be refined over time, but are ready for you to explore and discuss today.
Restaurants & Bars
Table, counter, bar, and patio – built around tips and speed.
Retail & Boutiques
Inventory, barcodes, and fast checkout for shops of all sizes.
Auto Service & Tire Shops
Service tickets, deposits, and pay-at-pickup options.
Marine Dealerships
Boat sales, service, storage, and marina payments.
Medical & Dental
Patient payments, recurring plans, and front-desk workflows.
Contractors & Field Services
On-site estimates, deposits, and paid-in-full before you leave.
Liquor Stores & Bottle Shops
Age checks, inventory, and cash-flow friendly fee programs.
Send your last 2 statements for a free review.
I’ll review your current setup, outline where you can save, and recommend the best equipment for how you do business – no pressure, no gimmicks.
Let’s talk through your setup.
Every business is a little different. If you’d rather talk instead of filling out forms, that’s fine too. Reach out and we’ll walk through options together.