Frequently Asked Questions

Cloud9 Payments is a credit card processing company that helps businesses accept payments, reduce processing costs, and improve their payment operations. We provide transparent interchange+ pricing, Clover POS systems, and hands-on local support from our Chagrin Falls, Ohio headquarters.

Yes. Cloud9 Payments is headquartered in Chagrin Falls, Ohio. Our team provides same-day local support to businesses throughout Northeast Ohio. When you call, you reach a real person who knows your business — not a national call center.

We serve restaurants, retail stores, professional service firms, healthcare practices, salons, automotive businesses, and more. We are highly specialized in restaurant consultation and have deep expertise across multiple key industries.

We are cost reduction specialists, efficiency maximizers, and business advisors — in a category of one. We combine transparent pricing with software-led consulting, on-site support, and a commitment to never arbitrarily raise margins. We not only lower your costs, we also extend our expertise into multiple core areas to make you more profitable.

Interchange+ (also called cost-plus) pricing passes through the exact interchange rate set by Visa and Mastercard, plus a small fixed markup. This is the most transparent pricing model available — you see exactly what the card networks charge and exactly what we charge. No bundled rates, no hidden tiers.

No. We believe in complete transparency. Your monthly statement shows every charge clearly: interchange costs, our markup, and any applicable fees. We do not charge PCI compliance fees, statement fees, or annual fees. What you see is what you pay.

No. We do not lock you into multi-year contracts with early termination fees. We earn your business every month with competitive pricing and excellent service. If we are not delivering value, you are free to leave.

The easiest way is to send us your most recent processing statement. We provide a free, no-obligation savings analysis that shows your current effective rate, identifies hidden fees, and projects what you would pay with Cloud9. Most businesses save $200-400 per month.

We offer same-day funding and standard next-day funding. This is among the fastest in the industry. Your sales deposits hit your bank account quickly so you can manage cash flow with confidence.

Dual pricing automatically displays two prices for every item at checkout: a cash price and a card price. Customers who pay cash receive a lower price, while the card price includes the processing cost. It is a transparent, compliant way to offset or eliminate your credit card processing fees.

Yes. Dual pricing (also called cash discount) is legal in all 50 states. It is different from surcharging, which has varying state-by-state regulations. Our program is designed for full compliance with all applicable rules.

Your POS automatically calculates and displays both prices. Signage at the entrance and register informs customers before they reach the counter. The receipt clearly shows the pricing. Staff simply ask the customer how they would like to pay — cash or card.

Most customers appreciate the transparency and the choice. Gas stations have offered cash discounts for years. Our experience shows that when dual pricing is communicated clearly through signage and staff training, customer satisfaction remains high.

Clover is a modern point-of-sale system that handles payments, inventory, employee management, reporting, and more. It comes in several form factors — Station Duo for countertops, Mini for compact spaces, and Flex for mobile use. Cloud9 is an authorized Clover dealer.

It depends on your business type and needs. Station Duo is best for full-service restaurants and high-volume retail. Mini works great for counter service and coffee shops. Flex is ideal for food trucks, tableside payments, and mobile businesses. We help you choose during our free consultation.

Clover is our primary recommendation because of its flexibility and reliability. However, we can process payments through other terminal and POS platforms. During our consultation, we assess your needs and recommend the best fit.

Call us directly. Our local Northeast Ohio team provides same-day support for equipment issues. We carry replacement equipment and can often resolve problems on the same day they are reported.

Most businesses are fully switched within 3-5 business days. We handle equipment setup, menu or product configuration, and staff training. Complex restaurant builds may take slightly longer for menu programming.

No. We set up and configure your new system while your current system continues operating. On installation day, the transition is seamless — your new equipment is ready before the old system is disconnected.

Many processors claim you are locked in, but early termination fees are often negotiable or smaller than expected. We review your current contract, calculate any potential fees, and show you the net savings of switching. In most cases, the monthly savings quickly offset any exit costs.

Yes. We handle everything: equipment ordering, configuration, installation, data migration (when possible), and staff training. You do not need to manage the transition — that is our job.

Call or text us at 1-855-297-6722 or email info@cloud9payments.com. Our local team answers directly — no automated phone trees or offshore call centers. You can also reach us through the contact form on our website.

Our standard support hours are Monday through Friday, 8:00 AM to 6:00 PM EST. For urgent equipment issues during business hours, we provide same-day response and resolution.

Yes. We offer support in Spanish and Arabic in addition to English. Our multilingual team ensures clear communication regardless of your preferred language.