How Does Reverse My Fees Processing Work?

While programs vary by state, a surcharge verses a cash discount, the concepts of the program are pretty straight forward.  Here’s an example of a use case which virtually eliminates credit card processing fees.

When a customer decides to pay for your product or service with a credit card, you will run their card through a Reverse My Fees payment terminal or virtual terminal. The terminal processes the payment, as usual, but a service fee is automatically added to the transaction. The service fee amount is automatically calculated by the credit card terminal, mobile payment app, or virtual terminal, and a separate line item is added onto the customer’s receipt. The service fee is a fixed percentage, usually 3-4%.

The customer pays the total cost for the product or services plus the service fee, and the funds are transferred to your bank within 12-48 hours. As a result, your processing costs are offset by the service fee resulting in a savings of thousands of dollars in processing fees each year.


Jeremy, owner of Stillwater Payments, provides the best customer service ever. He is experienced and knowledgeable and will get you the best rates period. Jeremy has saved us both tons of money and headaches.

Experienced and knowledgeable
Debra R.

I interact with the people behind Stillwater Payments a lot on a professional basis and they are ethical, honest, and very knowledgeable about the card-processing industry. A number of clients and colleague of mine use them for their merchant processing and feel Stillwater has saved them money and made their accounting reports much more understandable.

Ethical, honest, and very knowledgeable
Ken and Alicia Lund

Fantastic people My company has a national contract so I cannot use their services, but I have has lots of past experience with processors and I trust these guys implicitly. They are local and always have been and they do a fantastic job. Well worth having them review what you have.

Fantastic people!
Mitch Harrigan

It is such a relief to find a merchant services provider that is honest and ethical! I love these people. They have a rate guarantee that really sets them apart from anyone else. Jeremy, even saved me money on my processing machine tape! I do not hesitate to send my friends or family to Stillwater Payments!

Saved me money!
Brent Roelofs

Looking for and honest and ethical local business? Look no further – Stillwater Payment Processing should be your first choice! The owner, Jeremy is all about integrity. He is very knowledgeable and informative. It will be one of the best business decisions you make.

All about integrity!
Tracy Brantingham

Amazing customer service, knowledgeable and priced for your actual needs, not their pocketbook. Highly recommended. +++

Highly recommended. +++
Lopiccolo Construction

After hearing about Dan and Stillwater Payments from another auto shop who recently started using them as their merchant payment processor we had Dan come down to see what he could do for us. Not only was he very upfront and was able to show us what he could do for us he took the time to help sort out the mess we created with our past merchant accounts and was able to help us close those accounts out.. Customer service alone was worth the switch not including the savings. Thank you

Great support!
Padgett Brothers

I can genuinely say that I am happy with Stillwater Payment. Particularly with Jeremy. He has been such a great help and has always answered all my concerns and question no matter how many times I have asked the same question. Thanks again Jeremy.

I am happy with Stillwater Payment
Mary Nelson

I love everything about this company! Their loyalty and commitment to helping us succeed means everything. Everything is always running great and they are always quick to give solutions to any questions or concerns that may pop up in the way. Definitely would recommend them!

I love everything about this company!
Kellcey Waldaias

Great service and great prices! We had issues (not caused by Stillwater), and Jeremy and Dan were right there with me helping me solve it all. I highly recommend this company!

Great service and great prices!
Natalie Oehlerking

Choose a Reverse My Fees account and your payment processing fees are 95% covered.  Save as much as 95% off your merchant fees. 


Since 95% of your processing fees will be eliminated, you will be protected from the possibility of processing fee rate increases. While your competitors are dealing with uncertainty, you will have the peace of mind knowing that you’re protected from financial surprises.


Many unsuspecting business owners have been lured in by our competitors with the promise of free credit card processing. Unfortunately, those dreams often end in a nightmare of awful, egregious leases attached to them for equipment which can be as much as $3,000-$9,600 per credit card terminal total on a 48 mo. lease.

With Stillwater Payments, you can enjoy the best of both worlds- a Reverse My Fees program and transparent equipment options.


Ready to Start?

Stillwater Payment’s industry-leading payment service and support staff are ready to take your payment system to the next level. Let us show you how.

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