Paterson Merchants Are Replacing Unpredictable Fees With One Flat Number.
Paterson's Main Street, Market Street, and the surrounding commercial corridors run one of the most economically diverse merchant mixes in New Jersey — food businesses, textile and fabric shops, service businesses, and specialty retail serving a multilingual community with high card volume. Most owners are paying 2.5–3.5% of every card transaction to networks that set those rates without negotiating with anyone here. Scaler Pay replaces that percentage drain with a flat monthly fee of $25–$45. Overhead becomes predictable. Margins improve from day one. Payment processing services provided through licensed processing partners.
A Paterson merchant processing $40,000/month in card transactions saves approximately $1,000–$1,400/month on a cash discount program — $12,000–$16,800/year in margin recovered from card networks.
Payment industry cost analysis — illustrative of the savings opportunity, not a guaranteed outcome.
Paterson merchants are losing $5,000–$20,000/year to percentage-based fees with no ceiling.
- 01A Paterson food or specialty retail business processing $45k/month in card sales pays $1,125–$1,575/month in fees — $13,500–$18,900 every year with no cap and no leverage.
- 02Percentage-based processing fees are uniquely punishing at thin margins. A business earning 8–12% net margins that pays 3% in processing fees is handing over a quarter of its profit to a card network.
- 03Paterson's textile and fabric merchants often process a mix of wholesale and retail card transactions — both types carry standard interchange rates with no discount for volume.
- 04Service businesses — barbershops, beauty salons, auto repair — run hundreds of card transactions a month at amounts where the per-transaction percentage adds up fast.
- 05A flat monthly fee of $25–$45 means a Paterson business processing $40k/month pays the same amount as one processing $15k/month. Overhead is fixed. Growth doesn't cost more in fees.
Live in 3 business days, not months.
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Complete the application and share your current processing statement. We confirm your monthly savings before you commit to anything.
Equipment
We deliver a compliant cash discount terminal to your Paterson location — included with the program at no hardware cost.
Signage
All required consumer disclosure signage is provided in the languages appropriate for your business location and customer base.
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Processing fees go to zero. A flat monthly fee replaces the percentage drain. Overhead is predictable from month one.
Zero processing fees. Flat overhead. Built for Paterson's diverse merchant community.
- $0 in monthly processing fees — flat program fee of $25–$45/month regardless of card volume.
- Fully compliant with New Jersey law and all consumer disclosure requirements.
- Works with all major card types — Visa, Mastercard, Amex, Discover.
- Predictable overhead — fees no longer scale with card volume or fluctuate month to month.
- Payment processing services provided through licensed processing partners.
Questions, answered.
Terminal Brands We Provide
Already running a Clover, Square, or Dejavoo terminal? We provide and install the hardware — included with your zero-fee program, no separate equipment cost.
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