NEXOS Payments · in partnership with Propelr · open to any business
Know your true cost of acceptance.
Submit one recent processing statement. Our team reconciles it line by line — interchange, assessments, markup, and the fees that are rarely named — and returns a documented view of what acceptance actually costs you.
Available to any business, with or without the rest of the NEXOS platform. No commitment and no obligation to convert — if your incumbent pricing is already competitive, the finding will say so.
Payment economics are opaque by design.
Interchange is pass-through. Network assessments are fixed. Everything between those and the figure on your statement is negotiable — and almost none of it is presented in a form that lets you isolate it. Tiered qualification buckets, bundled categories, and line items labeled only "service fee" exist to obscure one number: what it costs you to accept a dollar.
We approach it as an analysis rather than a sales call. You cannot negotiate a cost structure you cannot see, so we start by making yours legible — whatever the conclusion turns out to be.
Scope of the review
An underwriting-grade analysis, not a rate quote.
Statement reconciliation
We separate pass-through interchange and network assessments from processor markup, then compute your effective rate — the single figure a tiered statement is structured to keep you from calculating.
Pricing matched to your economics
Interchange-plus or flat-rate, selected against your actual volume, average ticket, and card mix rather than whichever model carries the wider margin for the seller.
Underwriting and onboarding
Propelr owns merchant underwriting, approval, and boarding. Your payments relationship sits with a payments institution — not with a software vendor improvising one.
Dispute and settlement support
Chargeback representment, settlement timing, batch reconciliation, terminal faults. Escalated to a payments desk rather than a general support queue.
A certified hardware estate
From a single all-in-one mobile unit to a dual-screen counter station, standardized across every location — the same devices that run NEXOS POS, deployed and supported by us.
Settlement that reconciles itself
Authorizations, batches, and deposits land in the same system as your invoices, inventory, cost, and labor — so payments reconcile against operations continuously instead of monthly, by hand.
Cost is driven by card mix, and card mix is not universal.
A quick-service restaurant settling a fourteen-dollar ticket on debit carries a fundamentally different cost structure than a dental practice running card-not-present transactions on rewards credit at a hundred times the value. Interchange responds to card type, presentment method, and ticket size.
Which is why a single pricing model applied uniformly across industries reliably overcharges someone. We underwrite the structure to your business, not to a template — and we say so plainly when the incumbent arrangement is the better one.
- Restaurants & cafés
- Retail
- Dental practices
- Medical offices
- Salons & spas
- Service businesses
The partnership
Propelr underwrites and processes. NEXOS operates the platform.
Propelr is our payments and banking partner, accountable for processing infrastructure, merchant underwriting, boarding, settlement, and payment support — the functions that belong to a payments institution.
NEXOS provides the software platform, the hardware estate, and the operating experience your staff uses every shift. NEXOS is a software company and does not itself process card transactions.
One platform. One ecosystem. One source of truth.
Merchant services, standalone
You do not have to adopt the platform to work with us.
Plenty of operators already have systems they are not looking to replace. A multi-location practice, a professional office, a retailer with software that works — the interest there is the processing and the hardware, not a new back office.
That is a supported configuration, not an exception. Propelr boards the merchant account, we deploy and support the terminals, and nothing about your existing operation has to change. The platform remains available whenever it becomes useful, and never as a condition.
What that includes
- Merchant account boarded and underwritten by Propelr
- NEXOS payment terminals, leased with a buyout option and supported by us — the terminal for your setup is confirmed during onboarding
- Statement review before you commit to anything
- No platform subscription, no integration work
Why we come in lower
Lower on all three lines. By design, not by promotion.
An operator buying a point of sale is really buying three things: software, hardware, and card processing. The incumbent model discounts one of them loudly and recovers it quietly through the other two — free software funded by your effective rate, or cheap hardware funded by a multi-year commitment. The headline moves; the total does not.
We price all three to be lower, and we publish enough of it that you can check. That is possible because no single line is carrying the others. The platform is a real product with a published subscription. The hardware is leased as its own line item rather than dangled as an incentive. Processing is priced on its own merits, with a payments institution accountable for it. Each line is quoted on what it is worth, which is also why none of it depends on an introductory period that quietly ends.
Software
Published, flat, per location
- Typical model
- Free tier that omits the back office, then quote-only pricing for the tier that has it
- NEXOS
- One published rate per location, month to month, the whole platform included
Hardware
Leased on its own terms
- Typical model
- Terminals discounted up front, then recovered through a multi-year processing commitment you cannot exit without replacing the register
- NEXOS
- Leased as its own line item, quoted separately from the platform and from processing, and supported by us — never discounted up front and recovered through your rate
Card processing
Priced on its own merits
- Typical model
- Mandatory, and carrying the margin for everything given away
- NEXOS
- Optional, underwritten by Propelr, structured to your actual card mix
Platform pricing is published at nexosscan.com/pricing. Processing is quoted against your own statement rather than advertised as a rate, because a rate published without your card mix behind it is marketing rather than information.
What you are agreeing to
A statement review is an analysis, not an application.
Your statement stays yours
Transmitted over TLS and encrypted at rest in an environment with per-tenant key separation. Reviewed by our team and Propelr's underwriting desk for this purpose only, never sold, never brokered to a panel of processors, and deleted on request.
No credit pull, no application
A review requires a statement. It does not require an application, a signature, a deposit, or a hard inquiry. Underwriting only begins if you decide to proceed after seeing the finding.
Regulated obligations sit with Propelr
Propelr is the payments institution of record for underwriting, settlement, and card-network compliance. NEXOS is the software platform. Neither of us obscures which is which — you will always know who holds your funds.
Full detail on platform security, tenant isolation, encryption, access control, and sub-processors is published at nexosscan.com/security.
How the engagement works
- 01
Submit a statement
A single monthly statement from your incumbent processor is sufficient. No system access, no disruption to your floor.
- 02
We reconcile it
Pass-through costs are separated from markup, per-item and monthly charges are itemized, and your blended effective rate is calculated.
- 03
You receive a written finding
Where there is room to improve, we show the mechanism. Where there is not, we say so. Both are legitimate outcomes of an honest analysis.
- 04
Propelr boards the account
Underwriting and approval through Propelr, hardware deployed by NEXOS, and settlement flowing into the platform already running your operation.
Quantify your cost of acceptance.
One statement is enough to establish what acceptance costs you today — and whether that number should be lower.
- No commitment required
- No obligation to convert
- Documented findings either way