We read your card processing statement line by line, show you where the money goes, and set you up to keep it. No early termination fee on most business types, and one person in Cleveland you can actually call. If your deal is already fair, we'll tell you.
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.
Estimates only. This tool uses published 2026 card-brand and processor rates and a typical effective rate for your volume — it does not know your card mix, your average ticket, or your current junk fees, so it cannot tell you your real number. Your statement can. The free savings check reads it in seconds.
Two things worth knowing before anyone quotes you: surcharges can never be applied to debit, prepaid, or PIN debit cards — even when they carry a Visa or Mastercard logo — and Visa caps surcharging at 3%. Any program that ignores either of those is not compliant. Dual pricing is legal in all 50 states and is what we set up.
Get "The 5 Fees Hiding in Your Merchant Statement" — a 3-minute checklist. Takes about three minutes.
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.
We read your current processing statement and show you what you'd keep each month, or tell you you're already fine — about 10 minutes, no obligation.
Pick cash discount (the card price covers processing) or interchange plus. We explain both clearly so you pick what fits your business.
We submit your merchant application together. A valid ID, voided check, and three months of statements. About 5 minutes.
Approved in 24–48 hours. Your terminal ships — buy it outright or rent it month to month. You're live and saving, with one rep you can call directly.
Every business is different. We'll help you find the right fit — so more of every sale goes back into your growth.
Card-paying customers cover the processing cost through the card price. You keep a small fixed monthly account fee, quoted in writing.
The most transparent model — interchange rate plus a small fixed markup. No hidden tiers.
Accept payments anywhere — Tap to Pay, QR codes, online checkout, and recurring billing.
Square treats a bar, a boutique, and a liquor store the same. We don't. We match your business to a POS built for how you actually operate — and pair it with processing built around cash and card pricing.
A restaurant system that keeps taking orders even when the internet goes down — hybrid cloud + on-site, so a Wi-Fi outage never stops your kitchen.
Built for packed nights. Guests order and pay from their phones, your staff covers more tables, and the system keeps up with a packed bar.
Retail-first POS with serious inventory tools and no long-term contract. Ask us about Korona's free trial before you commit.
Delivery marketplaces charge 15–30% per order depending on your plan. Keep them — they bring you new customers. Move your regulars onto your own page instead, for a flat monthly fee with no per-order commission.
Not sure which fits? That's the point of working with us instead of a website checkout — tell us how your business runs and we'll set up a free demo of the right system. Book a free POS consult →
Every business pays something to take cards. What changes is where the biggest leak is — so that's where we start.
Delivery marketplaces bring new customers, and they charge for it. We move your repeat orders to your own ordering page and set up cash and card pricing at the counter.
Delivery marketplaces bring new customers, and they charge for it. We move your repeat orders to your own ordering page and set up cash and card pricing at the counter.
Most of your sales are card sales, so the cost of taking cards adds up fast. Cash and card pricing shows both prices up front, with the signage set up for you.
Small tickets and thousands of products. We pair processing with a retail POS that handles inventory, age checks and quick checkout.
On a large repair, the card fee is real money. We set up pricing your customers see on the estimate, so there are no surprises at pickup.
Tap to Pay on a phone, a mobile terminal, and QR codes for the line. Set up so a weak signal doesn't stop the line.
Send an invoice, get paid online, and see who still owes you. Keyed and online payments without chasing checks.
Some business types get turned away by flat-rate processors. We submit your application to underwriting that reviews these categories, and you hear back fast.
Square and Toast are good products, and for some businesses they're the right answer. Here's where each one fits, so you can decide with the facts in front of you.
Square and Toast figures from their published pricing and independent 2026 reviews, verified August 2026. Prices change; check current terms before you decide.
Already have a quote from another rep? Send it over with your statement. We'll go through it line by line, and if it's the better deal, we'll tell you to take it.
Compare my quote →Cutting your card fees is where most clients start with us — it's rarely where they stop. Oluwa Group is a business development firm: we help you keep more of what you earn, then help you earn more.
Dual-pricing and interchange-plus programs through Kurv. Two equipment plans and never a lease, 48-hour approval, no early termination fee on most business types — and a free statement review to prove the savings first.
Free savings analysis, commission-free online ordering that beats delivery-app fees, and loyalty programs that bring customers back — practical tools that grow your top line.
Industry-matched POS for restaurants, bars, and retail, plus AI-powered tools like our instant statement analyzer. Modern technology, set up for you, explained in plain English.
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 surprise fees, no pressure, and no early termination fee on most business types."
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?
You sign Kurv's standard 24-month merchant agreement, which renews automatically, and we walk you through it before you do. For most business types there's no early termination fee, so if it ever stops making sense, you can leave without a penalty. We confirm which applies to you, in writing, before you sign. We'd rather keep you by saving you money than by locking you in.
You choose: buy the terminal outright, or rent it on a month-to-month plan you can cancel any time — we never put you on a lease. Setup and application fees are quoted in writing before you sign anything, and they're often the first thing we waive. With dual pricing, your processing fees are $0; you pay a fixed monthly account fee, quoted in writing.
Most merchants are approved within 24–48 hours. Once approved, your terminal ships out and you're typically live the same week.
In most cases, yes. Kurv supports countertop terminals, Tap to Pay, QR codes, online checkout, and virtual terminals. And if your current POS is the problem, we offer industry-matched POS systems for restaurants, bars, and retail — often with the software cost waived when paired with our processing. During your free savings check we'll confirm exactly what fits your setup.
Just a recent processing statement (or a screenshot of your Square/Stripe dashboard). We'll show you what you're paying line by line, and what you'd keep — no obligation.
Pick a 15-minute slot that suits you, by phone, video, or at your counter in the Cleveland area. Or leave your details below and Emmanuel will personally reply within 24 hours. No pressure, no obligation.
Book a 15-minute call →