How it works
No magic. Just a better route for the money.
Plenty of payment companies hide the mechanics behind buzzwords. We think you'll like ours better in plain daylight, so here is the whole journey, including the part other sites bury in a footnote.
The tap
Your customer gets to the counter and the OmniTender terminal offers two clearly posted ways to pay: card at your posted card price, or crypto. They scan, approve in their wallet app, and the terminal confirms in seconds. Your staff does exactly nothing new. The hardest part of training is explaining that there is no training.
The conversion
The instant the payment lands, it converts to US dollars at the locked rate. You are never exposed to the market. If the coin moons overnight, the customer can brag about it; if it craters, neither of you cares. Your sale was worth $42.50 when it happened and $42.50 is what settles.
The deposit
Settled funds arrive in your existing business bank account in plain USD. Crypto transactions carry no processing fee, so the receipt total and the deposit total are the same number. Your bookkeeper will assume something is wrong. It isn't.
The fine print, in large print
Where the zero percent actually comes from
Two different things make your fee column shrink, and we'd rather you understand both than be surprised later.
The crypto rail is genuinely 0% to you. There is no card network in the middle taking interchange, so there is no percentage to pass along. That part is exactly what it sounds like.
Card savings come from dual pricing. For card payments, our program posts two prices: a regular price and a card price that includes a clearly disclosed convenience amount covering processing. Customers choose. The processing cost stops coming out of your pocket, which is where the calculator's savings figure comes from.
Dual pricing is common (you've seen it at every gas station for decades), but states and card networks have real rules about signage, receipts, and disclosure. We configure your terminal, your posted pricing, and your receipts to follow the rules where your business operates, and we put it in writing during onboarding.
If a payments company promises you "zero fees" without explaining any of the above, ask them where the money goes. Watch them change the subject.
Asked constantly
Fair questions, straight answers
Do I have to replace my current card processor?
No, and we'd rather you didn't on day one. OmniTender runs beside your existing setup. Cards keep flowing through whatever you use today; crypto flows through us. If you later decide to move your whole stack over, that's a conversation, not a requirement.
Do I ever hold or touch cryptocurrency?
No. Conversion happens automatically when the customer pays. You never custody coins, watch charts, or manage a wallet. Your books see one thing: US dollars.
What if the price of a coin crashes mid-transaction?
The rate is locked at the moment of sale and conversion is immediate. Market drama after the tap is our problem by design, never yours.
Which cryptocurrencies can customers use?
The major ones your customers actually hold, including Bitcoin, Ethereum, and the big dollar-pegged stablecoins. The full current list comes with your onboarding pack, since it grows.
How long does setup really take?
Application review takes 2 to 3 business days because a person reads it. After approval, a technician sets up your terminal on site and you're live in under 24 hours. Those two numbers cover different things, which is why we list them separately.
Is dual pricing even legal in my state?
Dual pricing and cash-discount style programs are legal in most of the US, but the rules on signage, receipts, and how the difference is presented vary by state and by card network. Part of onboarding is configuring your terminal and posted pricing to match the rules where you operate. We don't wing this part.
Sound reasonable?
The application takes two minutes and obligates you to nothing.