Payment questions, answered.
From pricing and payment technology to dual pricing, Square, onboarding, and support, here are
straightforward answers to the questions businesses ask NRG most often.
Start with the business, not the processor.
NRG begins by understanding how you accept payments today, what is working, and what you want to improve.
What does NRG Payments do?
NRG helps businesses accept payments through in-person, online, remote, and integrated payment solutions. We also help businesses evaluate processing costs, equipment, software compatibility, dual pricing, and Square.
What types of businesses does NRG work with?
NRG supports a range of business models, including retail, restaurants and food & beverage, automotive, B2B, professional services, nonprofit organizations, eCommerce, SaaS, law firms, accounting firms, and other businesses with established payment needs.
You can explore our industry pages for more specific examples.
How do I get started?
The easiest starting point is to tell us how you accept payments today. If you already process cards, a recent merchant statement gives us useful context around your volume, transaction mix, effective rate, and current fees.
You can start with a free statement review or go directly to the application.
Do I need to replace everything I use today?
Not necessarily. NRG reviews your current payment environment first. Depending on the solution, some existing software, workflows, or integrations may be able to stay in place while other components may need to change.
Know what you are actually paying.
Processing pricing is easier to evaluate when you look at the full cost instead of one advertised rate.
What is an effective processing rate?
Your effective rate is the total processing cost divided by the card volume processed during the same period. It can be a useful way to understand your overall cost of card acceptance because it captures more than a single advertised percentage.
Can NRG review my current processing statement?
Yes. A statement review can help identify your current effective rate, recurring fees, transaction costs, and areas worth discussing before you make a change.
Use our statement review page to get started.
Why can two businesses have different processing costs?
Processing cost can vary based on transaction volume, average ticket, card mix, how payments are accepted, business type, software and gateway requirements, equipment, and the pricing structure being used.
Does NRG have one standard rate for every business?
No. The right pricing structure depends on the payment solution and the business environment. NRG reviews the setup and explains the applicable pricing before onboarding so you can evaluate the full picture.
Meet customers where they already pay.
Your payment setup can include more than a countertop terminal. NRG evaluates where money moves across the business.
Can NRG support both in-person and online payments?
Yes. Depending on the business and solution, NRG can support in-person card acceptance, eCommerce, invoices, payment links, remote payments, and integrated payment workflows.
Can customers use Apple Pay or Google Pay?
Many modern payment terminals and checkout environments support contactless digital wallets. Compatibility depends on the equipment, platform, and payment solution selected for your business.
Can NRG work with the software or POS system I already use?
In many cases, yes, but compatibility depends on the specific platform and payment solution. NRG reviews your current software and integrations before recommending a setup.
Our goal is to understand the existing workflow before asking you to replace technology that may already be working well.
Will I need new payment hardware?
It depends on the solution. Some setups require new terminals or approved hardware, while others may work with existing technology or software. NRG can help identify what is actually needed before implementation.
A different way to manage card-processing costs.
Dual pricing gives eligible businesses a way to present payment choices clearly while reducing the amount of card-processing cost the business absorbs.
What is dual pricing?
Dual pricing is a payment-pricing model that presents customers with clear pricing based on how they choose to pay. A properly configured setup can help an eligible business offset a significant portion of its card-processing expense while preserving customer choice.
Learn more on our dual pricing page.
Is dual pricing the same as surcharging?
No. They are different pricing approaches. Dual pricing generally presents payment prices or discounts upfront based on payment method, while surcharging typically adds a separate charge to eligible credit-card transactions.
Card-network rules, state requirements, and implementation details can vary, so the setup should be reviewed for the specific business and location.
How much can dual pricing reduce my processing costs?
NRG illustrates potential cost reduction of up to 97% for eligible setups. Actual results vary based on transaction volume, customer payment behavior, business type, pricing configuration, location, and other processing costs.
You can also use our payment calculator for a directional estimate.
Will customers still be able to choose how they pay?
Yes. Payment choice is an important part of the model. The exact options available depend on how the dual-pricing setup is configured and which payment methods the business accepts.
What does NRG help with during dual-pricing setup?
NRG helps review the current processing environment, configure the payment setup, explain pricing presentation, support equipment and reporting, and work through customer-facing communication such as signage and receipts.
Square, with a real NRG relationship behind it.
NRG is an Official Square Reseller, helping businesses choose Square plans, hardware, and workflows with a direct point of contact.
Is NRG an Official Square Reseller?
Yes. NRG works as an Official Square Reseller and can help businesses evaluate Square plans, hardware, payment workflows, setup, and onboarding.
Do I get the same Square pricing through NRG?
Yes. The Square product and standard pricing are the same. The NRG difference is the relationship: setup guidance, a direct point of contact, and help thinking through how Square fits the way your business operates.
What kinds of businesses are a good fit for Square?
Square can fit a wide range of businesses, including restaurants, cafes, bars, retail stores, salons, appointment-based businesses, professional services, fitness and wellness businesses, mobile sellers, and other service businesses.
Food & beverage is a major focus of NRG's Square program.
Can NRG help me choose Square hardware?
Yes. Square offers several hardware options for countertop, handheld, mobile, self-service, and full-register environments. NRG can help narrow down the options based on where customers pay and how your team works.
Where can I learn more about Square through NRG?
Visit our Square + NRG page for current plan, pricing, hardware, and setup information.
The relationship does not end after onboarding.
NRG is built around direct support and practical guidance before, during, and after the initial setup.
How long does onboarding take?
Timing depends on the payment solution, business type, underwriting requirements, equipment, integrations, and how quickly required information is provided. NRG will outline the expected process for your specific setup rather than promise a one-size-fits-all timeline.
What happens after my account goes live?
NRG remains available for payment-related questions, setup changes, equipment guidance, account support, and conversations about how your payment environment should evolve as the business changes.
Who do I contact if I am already an NRG client?
You can reach out to your existing NRG contact or use our contact page and the team will help route your request appropriately.
Can I speak with someone before I apply?
Absolutely. You do not need to submit an application just to ask questions. Use the contact page to tell us what you are evaluating and someone from NRG can help you think through the next step.
Start with the part of payments you want to improve.
Whether you are trying to understand your current processing costs, compare a new setup, evaluate Square, or figure out whether dual pricing fits, NRG can help you narrow down the next step.