★ Free equipment program
Get a FREE MidPay smart terminal.
The Smart Terminal Flex is yours free — no minimum, no monthly. Upgrade to the Pro or Duo free with $10K+/mo in credit card processing.
Flex: free, no minimum, $0/mo · Pro & Duo upgrade tiers: free at $10K+/mo + $25/mo service · ships in 2 days. See the terminals ↓
Debit / credit — among the lowest, with no surprise fees
Process in-person credit cards at as little as 0% with dual pricing
Get paid the same day (1.79%) — or next business day, free
Smart Terminal value — yours at $0 with the program
Three smart terminals. Starting at free.
The Smart Terminal Flex is always free — no minimum. The Pro and Duo are free with $10K/mo in processing.
Smart Terminal Pro
Valued at $499 FREE
The flagship countertop terminal — large touchscreen, built-in printer, and a card reader that handles tap, chip, and swipe. Best for busy front counters.
FREE with $10K/mo
Smart Duo Terminal
Valued at $399 FREE
Two screens — one for you, one facing the customer for tips, signatures, and confirmation. The smooth checkout experience guests remember.
FREE with $10K/mo
Smart Terminal Flex
Valued at $275 FREE
Handheld and mobile — take payments tableside, in line, or on the floor. The lightest way to get paid anywhere your business goes.
Always free · no minimumSee the terminals in action
Real MidPay smart terminals — taking payments at the counter and on the floor.
Smart Terminal — handheld & mobile
Smart Terminal — at the counter
Run your whole business from one screen
Your free terminal isn't just a card reader — it's a full point-of-sale built to move faster and sell more.
An interface anyone can run
Ring up sales in seconds with product images, catalog search, and favorites — no training day required.
Inventory that keeps itself honest
Add images, modifiers, variants, discounts, and taxes — with real-time low-stock alerts so you never miss a sale.
Build your catalog with AI
Bulk upload or edit products and let AI write descriptions and enhancements in a few taps.
Decisions backed by AI insights
See AI-powered insights on sales, best-sellers, and trends — and update prices by voice or chat.
Free here. Hundreds everywhere else.
The same caliber of smart terminal the big names charge hundreds for — at $0, with lower rates.
| MidPay Smart Terminal | Clover Mini | Shopify Kit | |
|---|---|---|---|
| Device cost | $0 $399 value, free | $849 | $459 |
| Annual fee | $0 never | $300 /year | — |
| PCI compliance fee | $0 ever | $149 /month | — |
| In-person rate | 1.49% debit / 2.69% credit | From 2.3% + 10¢ | From 2.6% + 10¢ |
| Process credit cards at 0% (dual pricing) | ✓ | ✕ | ✕ |
| Built-in printer & scanner | ✓ | Scanner sold separately | ✕ |
| WiFi and cellular | ✓ | ✓ | ✓ |
| Keep selling while offline | ✓ | ✓ | ✓ |
| 24/7 direct phone support | ✓ | ✓ | ✕ |
Clover alone charges a $300 annual fee + $149/month PCI fee — MidPay charges neither, ever.
Competitor pricing and features per publicly published rates as of 5/2025. Comparison shown for reference; rates vary by business and qualification.
And our rates beat them too.
The same processing the big names charge a premium for — at a lower rate, with no monthly or PCI fees.
| Rate comparison | MidPay | Square | Stripe | PayPal |
|---|---|---|---|---|
| Debit card rate | 1.49% | 2.6% + 10¢ | 2.70% + 5¢ | 2.89% + 49¢ |
| Credit card rate | 2.69% | 2.6% + 10¢ | 2.70% + 5¢ | 2.89% + 49¢ |
| Flat rate (all cards) | 2.69% | 2.6% + 10¢ | 2.70% + 5¢ | 2.89% + 49¢ |
| Dual pricing — 0% to you | ✓ customer pays 4% | ✕ | ✕ | ✕ |
| Account monthly fees | $0 | $0 | $0 | $0 |
| Setup fees | $0 | $0 | $0 | $0 |
Competitor rates per publicly published pricing as of 5/2025. Rates vary by business and qualification.
How the free terminal works
No gimmicks. Qualify, pick your devices, and we cover the hardware with a gift card for its full value.
Flex is always free
The Smart Terminal Flex ships free with no minimum and $0/mo. The Pro and Duo are upgrade tiers — free with $10,000+/mo in credit card processing, and proof of processing may be requested.
Pay — reimbursed instantly
Pick up to two devices and pay at checkout. We instantly reimburse you with a gift card for the full equipment value — and you can cancel within 30 days.
Ships in 2 days
Your equipment ships in 2 days, ready to take payments. The Flex has no monthly fee; the Pro and Duo upgrade tiers carry a $25/mo service fee.
One-time offer, not accumulative. Some terms & restrictions apply. Car rentals and high-risk merchants do not participate in this program. Gift card is provided for the amount of the equipment. Offer subject to MidPay program terms.
Ready for your free terminal?
Most businesses are approved on the spot. Apply in minutes — no long-term contracts.
Apply for your free terminal →