NRS PAY is the payment side of the NRS system. The total goes from the register to the reader by itself, so nothing is keyed and nothing is mismatched. Signing up also gets you a free EMV card reader and lower software prices.
2.49% + 10¢ per card-present sale (3.49% + 10¢ keyed), with a $10/mo account fee.
Your POS shows a card price and a lower cash price. $49.95/mo, or $0/mo if you process over $18K a month.
One flat $49.95/mo and nothing per EBT swipe, for stores with heavy SNAP traffic. eWIC supported too.
Swipe, dip, tap or key in on a free EMV reader when you sign up.
An add-on that gets batched money into your account the same day in most cases.
Every NRS software plan costs $10–30/mo less with NRS PAY.
Compare the Clean Rate and the cash discount plan at NRS list rates.
About 1,667 card sales a month
Clean Rate
$924/mo
2.49% + 10¢ a sale + $10 account fee · 3.08% of card sales
Cash discount plan
$0/mo
Dual pricing: card customers pay the posted card price. $0 plan fee over $18K a month.
Estimate from NRS list rates (October 2026), card-present sales only; keyed sales are 3.49% + 10¢. Dipendra compares it with your current statement and puts your real numbers in writing.
Your quote depends on your equipment, software plan and payment setup. Use this simple estimator to explore percentage-plus-transaction pricing, with your own rate or one you have been offered.
Illustrative calculation only, not an offer from Dipendra or NRS. Other fees, taxes and plan terms may apply.
Ask for a statement reviewEstimated monthly processing
$870.00
Approximately 1,200 transactions · about 2.90% of card sales · excludes other fees
Free with NRS PAYPayments
Swipe, dip, tap or key in: the card reader that comes with NRS PAY.
Free with NRS PAY. $350 per device if leased equipment is not returned. Dipendra's terms can differ.
Show Dipendra a recent processing statement for a side-by-side comparison with NRS PAY. You decide after seeing the numbers.
The Cheetah and Panther systems require it; the Puma doesn't. Software plans are cheaper with NRS PAY either way.
NRS advertises no long-term commitment and no early-termination fee, but processing is under an NRS agreement, and leased equipment must be returned in working condition (NRS charges $350 per device if it isn't). Dipendra goes through the terms before you sign.
Clean Rate: 2.49% + 10¢ card-present, 3.49% + 10¢ keyed, plus a $10 monthly fee. Cash discount plan: $49.95/mo, or $0/mo above $18,000 in monthly card sales. EBT Unlimited: $49.95/mo with $0 per EBT swipe. (NRS list prices, October 2026.)
Texas law allows a lower price for paying with cash when it is offered as a cash discount rather than a surcharge on cards, and card network rules add their own requirements, such as clear signs and both prices shown. NRS's cash discount plan is built that way. Confirm the current rules for your situation with your processor or an advisor.
With dual pricing (a cash discount), the register and the shelf show two prices, and customers paying cash get the lower one. A surcharge adds a fee on top when someone pays by card. Card networks and several states treat the two differently, which is why NRS's program is set up as a cash discount.
NRS countertop systems list from $1,299, the card reader is free with NRS PAY, and the Panther tablet option has $0 hardware. Dipendra finds the setup and the price that fit your store.
