If you’re shopping for credit card processing or a Clover point-of-sale system, there’s something you should understand before signing anything.
Across the merchant services industry—whether the hardware is Ingenico, Verifone, or Clover—it’s very common for terminals to be offered as monthly leases instead of being purchased outright.
A typical example is a Clover Flex leased for about fifty dollars per month over a forty-eight-month term.
That monthly number sounds reasonable until you do the math.
At that rate, the total cost over the lease term is roughly twenty-four hundred dollars. The same Clover Flex terminal can be purchased outright from many online vendors for about five hundred ninety-five dollars.
That price difference exists for a reason.
Why Equipment Leases Get Pushed
Equipment leases are one of the most profitable parts of credit card processing sales.
In many cases, the lease is handled by a third-party leasing company that’s separate from your processing agreement. The sales rep earns a commission on that lease—often upfront—which creates a strong incentive to push leasing even when it’s not the most cost-effective option for the merchant.
The merchant pays more.
The sales rep earns more.
That structure is common throughout the industry, even as alternatives like Square, Stripe, PayPal, and Toast have become widely available.
Why I Choose Not to Lease Equipment
I could lease equipment.
It would make me more money in the short term. That’s just the reality of how the industry works.
I choose not to.
At EPOS Merchant Services, for qualifying merchants processing more than ten thousand dollars per month, I provide Clover terminals as free loaners, including Clover Flex. There’s no equipment lease, no separate contract, and no long-term obligation tied to the hardware.
Some merchants also qualify for full restaurant point-of-sale systems at little or no charge, depending on volume and setup. That can include table service, kitchen printers, online ordering, and tip handling—without forcing a multi-year equipment lease.
If you process less than ten thousand dollars per month, you still have access to advanced point-of-sale equipment through EPOS Merchant Services at my wholesale cost, rather than inflated lease pricing.
Why This Works Better for Everyone
I’m not interested in quick commissions. I’m interested in long-term relationships.
When business owners aren’t overpaying for equipment or locked into contracts they don’t need, they tend to stay. That’s been my experience over and over again.
My clients stick with me for years because they know they’re getting straightforward pricing, honest advice, and flexibility when things change. That benefits them long-term, and it benefits me long-term.
Everybody wins when there isn’t a sales rep chasing a fast payout.
Small Business to Small Business
I’m a small business owner too. I understand margins, cash flow, and how frustrating it is to discover you’re paying for something that doesn’t actually improve your operation.
My goal isn’t to lock anyone into an agreement. It’s to set things up correctly from the beginning.
That means:
No long-term processing contract
No early termination fee
No application fee
If Clover is the right fit, I’ll recommend it. If Square, Toast, or another platform makes more sense, I’ll say that too.
Already Processing Cards?
If you’re currently using Clover, Ingenico, Verifone, or another terminal—and especially if you’re paying a monthly equipment lease—I’m happy to review your statement and explain exactly what you’re paying and why.
No pressure. No obligation.
If you want to avoid equipment leases, reduce unnecessary costs, and work directly with a local provider who’s in this for the long haul, you can learn more at eposcc.com or reach out directly.
Long-term relationships work better than short-term commissions.