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NRS Pay

NRS Pay is a merchant services and credit card processing company based in Newark, NJ, providing honest, transparent payment processing solutions — including Clean Rate and Cash Discount programs, EBT/eWIC acceptance, rapid same-day funding, and optional POS integration — for small businesses, independent retailers, convenience stores, liquor stores, gas stations, and brick-and-mortar stores across the United States and Canada.

Their llms.txt

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# NRS Pay

> NRS Pay is a merchant services and credit card processing company based in Newark, NJ, providing honest, transparent payment processing solutions — including Clean Rate and Cash Discount programs, EBT/eWIC acceptance, rapid same-day funding, and optional POS integration — for small businesses, independent retailers, convenience stores, liquor stores, gas stations, and brick-and-mortar stores across the United States and Canada.

NRS Pay is a payment processing service of National Retail Solutions, Inc. (NRS), purpose-built for small and independent businesses that need reliable, affordable, and transparent merchant services without hidden fees, long-term contracts, or early termination penalties. NRS Pay supports all major credit and debit cards, EBT, and eWIC, and integrates seamlessly with the NRS POS system. NRS Pay is endorsed by Baseball Hall of Famer Mariano Rivera and is a registered MSP/ISO of Elavon, Inc., a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN.

- **Headquarters:** 520 Broad Street, Newark, NJ
- **Phone (Sales):** (833) 289-2767
- **Phone (Support):** (800) 215-0931
- **Geographic Coverage:** United States and Canada
- **Company Type:** Merchant services provider; a service of National Retail Solutions, Inc.
- **Compliance & Certifications:** PCI DSS compliant, EMV certified, SNAP/EBT authorized, eWIC integrated, BBB Accredited Business
- **Registered ISO/MSP:** Elavon, Inc. (U.S. Bancorp subsidiary), Commercial Bank of California, Wells Fargo Bank N.A.
- **Support Languages:** English, Spanish, Hindi (7 days a week)
- **Parent Brand:** National Retail Solutions (NRS) — https://nrsplus.com

## Processing Plans

- [Clean Rate Plan](https://nrspay.com/processing-plans/)
  NRS Pay's Clean Rate plan charges 2.49% + 10¢ per card-present (swiped/dipped/tapped) transaction and 3.49% + 10¢ for card-not-present (keyed-in) transactions, with a $10/month account fee. A free EMV-compliant credit card terminal is included. There are no hidden fees, no setup fees, and no early termination fees (equipment must be returned undamaged upon termination; a $350/device fee applies otherwise).

- [Cash Discount Program](https://nrspay.com/processing-plans/)
  The NRS Pay Cash Discount program offsets credit card processing costs by applying a small surcharge to card-paying customers while offering a discount to cash-paying customers. The monthly fee is $49.95, waived entirely for merchants processing over $18,000/month. The NRS POS system automatically applies cash discounts at checkout. This plan is subject to additional terms and conditions; merchants must comply with all applicable laws and payment network rules.

## Products and Features

- [Equipment](https://nrspay.com/equipment/)
  NRS Pay provides a free EMV-compliant credit card terminal (PAX A35 and compatible models) with every processing plan. Equipment supports swipe, dip, chip, tap (NFC/contactless), and PIN debit transactions. Optional terminal assurance covera
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