Frequently Asked Questions

Cloud 9 Payments is a credit card processing company that helps businesses accept payments, reduce processing costs, and improve their payment operations. We provide transparent national pricing, Clover POS systems, and hands-on local support from our Northeast Ohio headquarters.

Yes. We're on North Main Street in Chagrin Falls. That's why same-day on-site support is a real thing here and not a line in a brochure — we're driving to you, not dispatching a contractor. When you call, you get someone who already knows your account.

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. In practice that means we read your statement before we quote you, we build the POS ourselves instead of handing you a box, and we don't raise your margin once you're signed. We not only lower your costs, we also extend our expertise into multiple core areas to make you more profitable.

Our national pricing program passes through the exact interchange rate set by Visa and Mastercard, plus a small fixed markup. It's the only model where you can check our math: Visa publishes its interchange rates, ours is a fixed number on the same line. Add them up and you should get your statement. No bundled rates, no hidden tiers.

No. Your statement shows every charge: interchange, our markup, and anything else that applies. We don't charge PCI compliance fees, statement fees, or annual fees. What you see is what you pay.

No. No multi-year contract, no early termination fee. You can leave any month you want. That's on purpose — it keeps us honest.

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 $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, and it is legal in Ohio and every other state, because a business has always been free to set its own prices. Dual pricing is not the same as a cash discount, though the two are often confused: a cash discount shows one price and takes an amount off at the register, while dual pricing shows both the cash and card price before the customer decides. Both differ again from surcharging, which adds a fee to credit transactions and carries state-by-state rules and card-network caps. We set the program up to comply with the rules that apply to you, including the signage and receipt requirements.

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 5–7 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 build and configure the new system while the old one is still running. On installation day the new equipment is ready before anything gets disconnected, so you never stop taking payments.

Most processors say you're locked in. Early termination fees are often negotiable, or smaller than the letter makes them sound. Send us the contract and we'll work out what leaving actually costs against what you'd save. Usually the savings cover it within a couple of months.

Yes. Equipment ordering, configuration, installation, data migration where it's possible, and staff training. You don't need to project-manage any of it — that's our job.

Call or text us at 1-855-297-6722 or use the contact form on our website. Our local team answers directly — no automated phone trees or offshore call centers.

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.