Payment processing · Based in Cleveland · Serving nationwide

We read your card-processing statement and show you what you're overpaying.

Most owners lose 2.5–3.5% of every card sale to processing fees and never see where it goes. Send us one recent statement and we'll show you your real number — and whether we can take it close to $0. If your rate's already fair, we'll tell you that too.

1. Send one statement 2. See what you're overpaying 3. Switch only if it saves you money
Free terminal included 48-hour approval No long-term contracts 24/7 U.S. support
Quick ballpark

See roughly what you're leaving on the table

Move the slider — the numbers update as you go. This is a ballpark. Your exact number comes from your real statement, which our free savings check reads in seconds.

Your business

$15,000 / month
$3,000$100,000
What you're paying now
$435/mo
$5,220 per year
With Kurv
$0/mo
$0 per year — zero-cost processing
Your annual savings
$5,220
$435 back in your pocket every month
Get my exact number — free savings check →

Estimates based on average processing rates. Your exact savings come from your real statement — the free savings check reads it in seconds.

Kurv
The processing platform behind us
48 hrs
Typical approval turnaround
$0
Monthly cost with cash discount
No lock-in
No long-term contracts
How it works

From one statement to $0 fees in four steps

No pressure at any step. If it doesn't save you money, we'll say so — that's the whole point of starting with your real numbers.

01

Send a statement

We read your current processing statement and show you the exact dollar amount you're overpaying — about 10 minutes, no obligation.

02

Choose your plan

Pick cash discount ($0/month) or interchange plus. We explain both clearly so you pick what fits your business.

03

Quick application

We submit your merchant application together. A valid ID, voided check, and three months of statements. About 5 minutes.

04

Go live in 48 hrs

Approved in 24–48 hours. Free terminal ships to you. You're live and saving — support available 24/7.

Pricing

Three ways to save

Every business is different. We'll help you find the right fit — so more of every sale goes back into your growth.

Most popular

Cash Discount

Card-paying customers cover a small service fee. You process credit cards for $0/month.

  • $0/month in processing fees
  • Legal in all 50 states
  • Compliance signage provided
  • Best for in-person businesses
  • Free terminal included

Interchange Plus

The most transparent model — interchange rate plus a small fixed markup. No hidden tiers.

  • Avg effective rate ~1.8–2.1%
  • Full fee transparency
  • Save ~25% vs. flat-rate
  • Best for high-volume merchants
  • No bundled pricing

Mobile & eCommerce

Accept payments anywhere — Tap to Pay, QR codes, online checkout, and recurring billing.

  • Tap to Pay (no hardware)
  • QR code payments
  • Online checkout
  • ACH / eCheck
  • Recurring billing
Industries

We work with every type of business

If your business accepts credit cards, you're likely overpaying.

Restaurants & Bars$500–$1,400/mo avg
Salons & Barbershops$200–$600/mo avg
Retail & Boutiques$300–$900/mo avg
Auto Repair$400–$1,200/mo avg
Food Trucks$150–$400/mo avg
Healthcare & Wellness$300–$1,000/mo avg
Contractors$200–$800/mo avg
Any local businessIf you take cards, we can help
Our promise

No reviews to buy. Just a straight deal.

Oluwa Group exists to help businesses build and scale — starting with the money you're already earning. We're a newer business, and we'd rather earn your trust honestly than show you stock photos and made-up quotes.

"I started Oluwa Group because I watched local owners hand a slice of every sale to processors who never picked up the phone. My deal is simple: I show you your real numbers, you keep more of them, and I don't earn unless I actually save you money. No long-term lock-in, no surprise fees, no pressure."

E
Emmanuel
Founder · Oluwa Group
$0/mo
Processing fees with cash discount — your statement, not a sales line.
48-hour
Approval turnaround — start saving in days, not weeks.
Free terminal
Equipment included — no leases, no hidden charges.
No lock-in
No long-term contracts. Stay because it works.
Questions, answered

What business owners ask us most

Is the cash discount program actually legal?+

Yes — cash discounting is legal in all 50 states when set up correctly. We provide the required signage and configure your terminal for full compliance. Customers always see the price before they pay, and those who pay with cash or debit can avoid the service fee. Full breakdown in our guide: What is dual pricing?

Do I have to sign a long-term contract?+

No long-term contracts. We earn your business by saving you money every month — not by locking you in. If it ever stops making sense, you're free to leave.

What does it cost to switch, and is the terminal really free?+

There's no cost to switch and no setup fee. Every approved merchant gets a free terminal — no purchase, no lease. With cash discount, your monthly processing cost is $0.

How long does approval and setup take?+

Most merchants are approved within 24–48 hours. Once approved, your free terminal ships out and you're typically live the same week.

Will this work with my current POS or systems?+

In most cases, yes. Kurv supports countertop terminals, Tap to Pay, QR codes, online checkout, and virtual terminals. During your free savings check we'll confirm exactly what fits your setup.

What do you need from me to get a real quote?+

Just a recent processing statement (or a screenshot of your Square/Stripe dashboard). We'll show you the exact dollar amount you're overpaying — no obligation.

Rather talk to a real person?

The fastest way to your number is the free savings check — it reads your statement instantly. Prefer a human? Leave your details and Emmanuel will personally reply within 24 hours. No pressure, no obligation.

Prefer email? Reach us directly at emmanuel@oluwagroup.com
Instagram  @oluwagroup
Email  emmanuel@oluwagroup.com