Cultivate Allows You to Work in a Simpler, Smarter Way

Receive the Full Profit of All Card Transactions.

In a historically confusing industry, our program is simple to understand and you won't receive any surprises. 

Cultivate's Solution for Your Business

How Our Program Works

When a customer pays for a good or service, they are given the usual payment options; Card, Cash or Check. If they choose to pay with a credit card, a small 3.75% service fee will be added to their bill. This allows Cultivate to cover the cost of accepting the credit card and allows your business to gain the full profit of the transaction.

When choosing cash or check, no fee will be added.

This is a win win to everyone involved. The merchants processing fees are covered and customers are still gaining the convenience of being able to use their card.

coffee receits
bartender making drinks


Your customer purchases $25 worth of goods.

At check out, they notice a sign that discloses a 3.75% service fee on all credit card transactions.

The customer has cash, but is trying to earn airline miles for a vacation they are going on next year and chooses to use a credit card anyway.

The 3.75% service fee is automatically calculated into the total. 

The total paid is $25.94 versus the $25, if they had paid with cash.

At the end of the night, your business receives the full profit of the goods and that customer received their airline miles.

Simple as that.

Industries and Equipment Options

What type of business do you have? With thousands of merchants already using this product, you can be confident that this solution will work for you. If you don't see your industry on the list, contact us and we will let you know if we have a solution for you

AC & Heating
Athletic Trainers
Auto Parts/Sales
Car Wash
Child Care Services
Chiropractic Offices 

Clubs/ Lounges
Convenience Stores
Dental Offices
Equipment Rental
Fine Dining

Grocery Stores
Health/ Beauty
Landscape Services
Lawn Care Services
Non-Profit Organizations
Pawn Brokers
Pest Control   

Retail Sales
Tax Preparation
Technology Services
Truck Stops
Gym/ Yoga Studios  



Supported by the PAXSTORE open software distribution platform, within which payment service providers create and manage their own independent appstore marketplaces. The PAX A920 is the world's most elegantly designed and compact secure electronic payment terminal powered by the Android operating system.

The A920 comes with a large high definition tablet color display and a thermal printer that is neatly hidden so as to maximize screen usage for customer facing transactions. A wide range of advanced connectivity options are supported, as well as built-in NFC contactless, electronic signature capture and huge memory to enable exceptionally fast processing of applications.

Mobile Tablet
PCI PTS 5.x certified, SRED I Android Operating System I 5-Volt Charging Port I 4G / 3G / WiFi / Bluetooth I Dual Camera, 1D & 2D Scanner I Elegant Back Lighting 


  • Exceptional Stability and Reliability
  • Flexible and secure platform
  • Multiple connectivity: 4G / 3G /
  • WiFi / Bluetooth
  • High capacity 5250mAH Li-ion rechargeable battery
  • Dual camera, 1D & 2D Scanner
  • Illuminated card reader
  • Built-in NFC contactless 5-Volt Charging Port
  • Multimedia Performance
  • Large 5-inch capacitive color touch screen
  • Supports electronic signature capture
  • High definition1280 x 720 pixels
  • Double injection
  • Sleek & fashionable
  • Unprecedented Security
  • PCI PTS 5.x certified
  • SRED
  • Supports RSA, AES, 3DES 


Improve and modernize your checkout by installing the stylish new E500 Integrated Smart Terminal solution from PAX Technology. The E500 is ideal for Soft-Goods and Hospitality merchants requiring a cost effective and space saving solution that provides a comprehensive Point-of-Sale solution – combining Electronic Cash Register (ECR) and secure electronic payment functionality. 

ECR functionality is provided by a Merchant facing, large screen Android tablet. Electronic payment is handled by a integrated Consumer facing PCI PTS 5.x certified Q20 PED terminal that includes a 4.3” color touch screen and supports all types of payment functions including Magnetic Stripe, Smart Card, Contactless and Barcode / QR code reading. An integrated printer and multiple wired and wireless communication options round out the E500 Smart terminal solution.

The E500 is supported by PAXSTORE, which is an open software distribution platform that allows payment service providers to create manage their own independent application store marketplaces.

SmartPOS Terminal

Next Generation Electronic Cash Register Solution I All-in-One Integrated Solution I Tablet, Printer, PED, Ports I Modular Design I Seamless User Experience I PayDroid Powered by Android.


  • All-in-One Integration
  • Fast thermal printer with auto receipt cutter
  • Customer & merchant facing screens
  • Cameras for 1D/2D code scanning
  • Business management applications
  • Integrated payment module
  • Exceptional Performance
  • WiFi, Bluetooth, Ethernet, 4G + 3G + 2G (optional)
  • Super-fast printer, up to 7 in/s
  • Flexible power charging options
  • Supports WiFi probe function
  • Multiple port peripherals 


The E600 is our most versatile and integrated smart POS that is redefining the payments process in-store and at restaurants. With its unparalleled design, the all-in-one terminal transforms the customer experience with its flexibility for purchases over the counter or onthe-go from table to table.

Ideal Industries:

  • Restaurants
  • Retail
  • Delivery


  • Powered by Android
  • 8" Touch Screen
  • 4” Q20 Payment Module
  • Integrated Q20 Payment
  • Module
  • 2” Thermal Printer
  • 30 Min Backup Battery 


Elegance is everything in store, yet cash registers never made for a stylish checkout experience, until today. PAX’s E800 is a visually striking game changer. It is ideal for any customer-focused setting, such as retail, restaurant, and hospitality. With dual screens for both customer and merchant, the E800 streamlines every sale and enhances the customer’s experience.

Integrated Smart POS

New Generation Electronic Cash Register Solution All-in-One I Housing Unit: Tablet, Printer, PED, Ports I Modular Design Seamless User Experience I PayDroid Powered by Android.


  • All-in-One Integration
  • Can connect to any other terminal or PINpad
  • Fast thermal printer with auto receipt cutter
  • Inbuilt optional high performance router
  • Customer & merchant facing screens
  • Cameras for 1D/2D code scanning
  • Business management applications
  • Integrated payment module
  • Exceptional Performance

  • Auto brightness adjustment for main display

  • WiFi, Bluetooth, Ethernet, 4G + 3G + 2G (optional)

  • Accurate and efficient

  • QR code payment Super-fast printer, up to 150 mm/s

  • Flexible power charging options

  • Supports WiFi probe function

  • Multiple port peripherals

Rules and Regulations

The uniqueness of our program requires all businesses to abide by the following card brand standards. If not followed, the account can be shut down by Visa and Master Card.

  • Notify the card brands about the surcharge activity.
  • The surcharge should not exceed the cost of acceptance on the account and can never be more than 4%.
  • You need to be out of any of the states that restrict surcharge.
  • You need to only be assessing a surcharge on credit cards. Surcharge on debit or prepaid cards is prohibited.
  • You need to itemize the surcharge on the receipt.
  • You need to have signs all around the store according to the rules. The most important two are at the point-of-entry and at the point-oftransaction minimum.

Cultivate will ensure you are abiding by all rules and regulations, in addition to providing you the necessary material and notifying the Card Brands on your behalf.

If you live in Colorado, Connecticut, Kansas, Maine, Massachusetts, or Oklahoma, we cannot set you up on our program.

ice cream shop

Client Testimonial

"Cultivated payments is a game changer. I was a little skeptical about how our customers where going to respond to a surcharge/service fee, but our customers have been very supportive about the change. Due to COVID-19 being a small business owner has become very difficult, but being able to recoup that small percentage of the service fee from Cultivated Payments has made a big impact with sales. The Customer support is great, all my questions were answered right away, and i know that if i have any problems they would be resolved promptly. If you have not thought about changing your merchant service provider, I highly recommend you looking into Cultivate Payments and start saving money right away."

-Christa Monkeys Subs Owner