Build the deal
Products & pricing
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Start building the deal
Pick a product above and add it. You'll see the monthly lease price and cash price side by side for every item.
Enter the team password to continue.
Build the deal
Pick a product above and add it. You'll see the monthly lease price and cash price side by side for every item.
All prices shown are estimates. The final deal price is subject to credit approval.
Scale every lease device's monthly price at once to hit a target. Cash prices and accessories stay fixed.
The real prize — recurring revenue the hardware unlocks. Estimated monthly volume × your rate.
Fixed-rate vertical program
Pick a vertical above, then add the equipment this merchant needs. We'll show how much they save against their current Clover rate over four years.
All prices shown are estimates. The final deal price is subject to credit approval.
All-in monthly cost — equipment, software, and payment processing on the merchant's volume.
Processing margin = fixed rate charged minus CashNet's real cost for this MCC (MCC Statistics tab, col G). Residual = that margin less CashNet's 17% overhead. Agent gets a 50% split of the residual.
Enter the manager PIN to unlock price overrides and the full deal P&L.
CashNet 360 — Team Guide
This guide covers everything the CashNet team needs to price a deal, understand what a merchant sees, and know what you and your manager earn on it.
The Deal Builder is a single screen with two tabs:
Both tabs share the same underlying pricing, commission, and cashback logic.
The Deal Information card sits right under the tab bar, above everything else, and applies to whichever tab you're on.
Pick a product from the dropdown and click "Add to deal." Every product shows both its Lease price and Cash price side by side — that comparison is the core of the tool. Toggle "Sell as: Lease / Cash" on each device independently.
Every device that runs software requires a SaaS plan selection. For Clover devices, nothing is pre-selected — the dropdown opens on "— Select a plan —" with a warning until you pick one.
The tool auto-detects 1st vs. 2nd+ device pricing by counting how many of that family are already in the deal.
Both dropdowns open on a neutral "— Select —" placeholder — nothing is added until you actively choose it.
All Other Services are due at signing, not spread into the monthly payment.
| Line | What it means |
|---|---|
| Hardware | Total monthly lease hardware across the deal, before tax and before the warranty fee. |
| SaaS | Total monthly software fees across every device. |
| Tech Fee | One flat fee per deal, not per device. |
| Tax | Sales tax on hardware only — lease and cash — plus the $4.95 warranty fee. Never applies to SaaS. |
| Warranty Fee | A flat $4.95 per lease contract (not per device). Shown as its own line, not folded into Hardware. |
| Due at the sign-in | Total of any Other Services added, with the actual service names listed next to it. |
| Lease Cashback | One-time, paid after month 4 of the lease. Always shown in green. |
| CD Cashback | Monthly, 0.25% of volume, only on Dual/Cash Discount processing. Orange when $0 (IC+ selected), turns green the moment Dual/CD is active. |
All figures are estimates. Agent Lease Income, Agent Processing Income, and (Manager/Admin only) Sales Manager Earns.
A side-by-side comparison of buying in cash versus leasing through CashNet, accounting for the merchant's cost of capital, a comparable warranty, the $4.95 warranty fee, and lease-payment tax deductibility.
Strips the tool to three things: Customer Pays Monthly (no Processing figure), Why Leasing Wins, and a read-only item list. Only shows the price for however the device is actually being sold — the other mode's column disappears entirely.
| Vertical | Median volume | POS rate | Terminal rate |
|---|---|---|---|
| Grocery | $145,605 | 1.99% | 2.34% |
| Bakery | $72,971 | 2.49% | 2.84% |
| Restaurant | $43,549 | 2.64% | 2.99% |
| Tobacco/Liquor | $23,064 | 2.39% | 2.74% |
| QSR | $27,699 | 2.79% | 3.14% |
| Pools | $309,530 | 2.49% | 2.84% |
Volume defaults to $0 for every vertical except Tobacco/Liquor, which defaults to $25,000 (its real median, $23,064, is below the minimum, so defaulting there would just show "Not eligible" immediately). Fixed Rate Program isn't available below $25,000/month — the savings box turns gray and reads "Not eligible."
Leave blank to compare processing against the generic 2.60% market assumption. Fill in the merchant's real current effective rate and every savings figure switches to compare against it instead.
Two more optional fields sit right below the rate boxes: Merchant's current hardware cost and Merchant's current SaaS cost (both monthly).
The Full Breakdown shows the merchant's current processing cost, CashNet's fixed-rate cost, and the difference as its own savings line.
Same philosophy: Customer Pays Monthly, Merchant Saves Over 4 Years, the competitor comparison, and the item list. Everything else — vertical picker, rate boxes, add-product, earnings, itemized breakdown — is hidden.
| Type | Frequency | When |
|---|---|---|
| Lease Cashback | One-time | Paid after month 4 of the lease |
| CD Cashback | Monthly | Ongoing, Dual/Cash Discount program only |
This tool is actively evolving. If something in a deal doesn't match this guide, assume the tool is current and flag it so the guide gets updated.
CashNet Agent Guide
When selling Clover, don't choose the program based on the device alone. Choose the SaaS plan based on the merchant's business type and operational needs.
Best for: Simple merchants who only need to accept payments.
Good fit for:
Main features:
Do not use this for: Retail stores, restaurants, liquor stores, smoke shops, grocery stores, or any merchant needing inventory or full POS functions.
Best for: Merchants that need a simple POS/register but not a full advanced system.
Good fit for:
Main features:
Best for: Retail merchants with inventory and item management needs.
Good fit for:
Main features:
Best for: Restaurants, cafes, bars, and food service merchants.
Good fit for:
Main features:
Best for: Appointment-based and service-based businesses.
Good fit for:
Main features:
Best for: Merchants that do not need a physical POS device.
Good fit for:
Main features:
Best for: Healthcare and medical office environments.
Good fit for:
Main features:
Optional add-on apps that can increase the merchant's monthly cost:
| Merchant Type | Recommended Clover SaaS |
|---|---|
| Simple payment-only merchant | Starter / Payments |
| Contractor or service business needing invoices | Essentials |
| Retail store | Retail Growth |
| Smoke shop / liquor store / mini-market | Retail Growth |
| Restaurant / cafe / bar | Restaurant Growth |
| Salon / spa / appointment business | Services Growth |
| Phone order / remote payment merchant | Virtual Terminal |
| Medical / dental / healthcare office | Healthcare / PracticePay |
Before selecting the Clover program, ask the merchant:
Do not sell Clover by device only. Always compare the merchant's total monthly cost:
The correct Clover program depends on the merchant's real business workflow. Choosing the wrong SaaS plan can cause missing features, higher future costs, merchant frustration, and possible cancellation.