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Omega Bank Card Services

Lower costs. Cleaner pricing. Rewards on top.

Omega helps qualified businesses cut processing costs, simplify their statements, and earn rewards on every dollar they run, with no extra work.

Get My Instant Quote How it works
~48hr
Typical activation
$0
Enrollment cost
Automatic
Earning
124,800
Points Available
MerchantPeachtree Grill
+2,340
Earned this month
$58k
Volume this month
See your numbers

Try the Omega rewards calculator

Enter your volume to see what cost-recovery and rewards could look like for your business.

Why Merchants Switch

Why Merchants Switch to Omega

Lower costs come first. Everything else (cleaner pricing, better support, rewards) is the upside.

1

Lower processing costs

Many qualified businesses pay less with Omega's cost-recovery pricing model. Send us a recent statement and we'll show you exactly where you stand, with no obligation and no pressure.

2

Transparent pricing, clean statements

No mystery line items. No buried fees. You see what you pay, in plain language, every month.

3

Modern POS & real support

Equipment that fits how you run your business, and a team that actually picks up the phone. We help you get set up and stay running.

4

Rewards as extra upside

When you're on our cost-recovery model, Omega Rewards comes included. Earn points automatically on your processing volume and redeem for travel, gift cards, electronics, and more.

Simple Comparison

Traditional pricing vs. cost-recovery in plain English

Most businesses have been on traditional pricing their whole life without questioning it. Here's what changes when you switch.

Traditional pricing
Merchant absorbs the fees

Processing costs come straight out of your margin

You bear the full cost of processing; rewards may be available depending on your pricing model.

The system wasn't built around your bottom line

You pay the fees; your margin takes the hit.

Omega cost-recovery
You offset card costs compliantly

Compliant setup with proper signage and receipt language

We guide you through every step.

Omega Rewards included

Earn points on your volume and redeem whenever you want.

Most qualified merchants eliminate 99% of their processing costs

Lower costs, rewards on top.

Rewards in Plain English

You process. You earn. Simple.

Omega Rewards lets you earn points on the card volume you already run, automatically, in the background. No customer sign-up. No new systems. Points accumulate in your dashboard and you redeem when it makes sense for you: travel, gift cards, electronics, or cash back.

Not a consumer rewards program

You earn and redeem; customers never see it

No extra steps, ever

How It Works

Getting started takes minutes, not months.

Three steps to rewards: we handle the setup; you start earning.

1
1

We review your statement

Send us a recent processing statement. We run your numbers through our instant quote flow and show you your current costs and whether cost-recovery could work for you.

2
2

We set up cost-recovery

We handle a compliant cash discount / dual pricing setup, including proper signage and receipt language. We walk you through every best practice.

3
3

Rewards activate automatically

Once you're on cost-recovery, Omega Rewards turns on. Points start accruing on your volume immediately, with no extra steps from you.

Real Numbers

See what this looks like for businesses like yours.

These are illustrative examples. Actual results vary based on transaction mix, card types, and volume. But they give you a realistic picture of what cost-recovery can do.

🍽️Restaurant
$45,000 / mo volume
Before
$990–$1,260
per month in fees
(2.2–2.8% rate)
With Omega
$35
flat per month
✦ Rewards Included
Potential annual savingsup to $14,700/ year
🔧Auto Repair / Retail
$30,000 / mo volume
Before
$600–$780
per month in fees
(2.0–2.6% rate)
With Omega
$35
flat per month
✦ Rewards Included
Potential annual savingsup to $8,940/ year

Actual results depend on your transaction mix, card types, and volume.

The Important Part

Every business is different. That's why we start with a free look at your statement.

We'll show you:

  • Your true effective rate
  • Any hidden fees buried in your current statement
  • Whether cost-recovery is a good fit for how you operate
  • What your rewards could look like at your volume

No obligation. No hard sell. Just a clear picture of where you stand.

Get My Instant Quote

Talk to a human, and we'll walk you through your statement and your options.

Common Questions

FAQ

Is this compliant?

Yes. We use a compliant cost-recovery (cash discount / dual pricing) setup. We guide you through proper signage and receipt language so you stay within card network and state rules.

Will my customers notice anything different?

With compliant cost-recovery, card-paying customers see a clear fee or adjusted price. Cash customers typically see a discount. We help you display it correctly so there are no surprises.

Does this mean I'm surcharging?

Cost-recovery and surcharging are different. We use a compliant cost-offset model. We'll explain exactly how it works for your business when we review your statement.

What if most of my customers pay by card?

Many merchants with mostly card volume still qualify. Your instant quote shows whether cost-recovery is a fit and what your numbers could look like.

Can I keep my current POS?

Often yes. We work with a range of systems. When you get your instant quote, we can discuss compatibility for your setup.

How quickly can this be set up?

Once we've reviewed your statement and you qualify, setup typically takes a short time. We'll give you a clear timeline when we talk.

What does the instant quote include?

We review your current processing statement and show you what you're paying today. If cost-recovery is a fit, we explain how it would work and what you'd pay and what rewards you'd earn. No obligation.

Are there contracts?

We keep terms straightforward. Ask us when you get your instant quote, and we'll explain the exact terms for your situation.

Do rewards expire?

We design the program so your points don't expire under normal use. Details are in your rewards dashboard once you're enrolled.

Your Dashboard

Your Omega Rewards Experience

Track earnings, view your points balance, and redeem, all in one place.

Omega Rewards merchant dashboard: track points, earnings, and redeem
What merchants say

Trust, onboarding, savings, support

Real feedback from businesses that switched to Omega, from setup to day-to-day processing and rewards.

Swipe to see more reviews
  • Google review

    Laura is awesome! Not only did she help our small business save money, she’s always willing to help out if any issues arise (which is very rare but the willingness to help goes a long way). She is so knowledgeable in her trade. Highly recommend!

    Hannah Bunch
  • Facebook review

    Great customer service! Katie has always gone above and beyond the few times we have needed her assistance!

    Cathy Reid
  • CardPaymentOptions review

    We’ve been using Omega Bank Card Services for a while now, and it’s been steady and reliable. Getting started was simple, and their team made sure we understood what to expect. No surprise fees, and everything works the way it should.

    Roberto Garcia
    CardPaymentOptions review · May 27, 2025
  • PaymentPop review

    We’ve been using Omega Bank Card Services for a while now, and it’s been steady and reliable. No surprise fees, and everything works the way it should.

    Roberto Garcia
    PaymentPop review · May 27, 2025
  • Google review

    We have enjoyed OMEGA but primarily due to the service of Kinsey Neptune. She is a phenomenal asset to the company. Any issues we have, any questions that may arise, any locations we need service in she is ALWAYS there. She is quick to respond and her service is impeccable.

    Bobbie Pearson
  • Facebook review

    Great company!! Glad to be doing business with them. Thank you for checking on us during pandemic!

    Donna Cowan
  • Google review

    We’ve been with Omega for several years and have been consistently happy with our decision! Kinsey is always available to help us get any issue resolved. Highly recommended this company!

    Taylor Carithers
  • Facebook review

    William and Beth made transitioning my first small business smooth and effortless. Great rates, easy-to-read statements, and agents that respond pronto.

    Joel David Howington
  • Google review

    I’ve been using Omega Services for about a month at my tattoo studio. Kinsey takes wonderful care of me for anything and everything. As a young business owner, I have a lot of questions, and Kinsey has been more than happy to answer all of them. All my payments go through smoothly and on time too! Highly recommend!

    Kayla Gray
    Tattoo studio
  • Facebook review

    Omega cut our fees in a big way and has been nice and quick with every issue. We are happy Laura showed us a better option without being pushy.

    LesandTammy Groves
  • Google review

    Laura Green is an exceptional team member of Omega Bank Card Services. She went way over and above to help solve a problem for my business. Not only on a weekend evening, but braved snowy weather to serve my needs in person! It’s truly rare to find that level of commitment.

    Danny Carter
  • Google review

    Swapping to Omega has been the best experience. Laura Green has been extremely helpful and is very knowledgeable whenever I have a question. If you're looking for a card service, look no further!

    Brian Gibson
  • Google review

    We have nothing but great things to say about Kinsey Neptune and Omega Bank Card Services. Kinsey set everything up for us and the transfer to Omega from our previous processing company was seamless. Our service has been excellent!!!

    Tina Blackburn
    Shane’s Auto Body, Inc.
  • Google review

    We just started using Omega but are very happy with the seamless transition from our old processing — it was a relief. Kinsey is very responsive, and I look forward to working with her and Omega.

    Laura Manner
  • Google review

    Ryan is awesome! Whenever he drives through Chattanooga he always makes sure to stop by and say hello and make sure everything is still going good. We will never use another credit card company and we couldn’t recommend this one enough especially with Ryan being our sales rep!

    American Tow & Recovery
  • Google review

    Kinsey is an exceptional representative! Her expertise and reliability make this company a fantastic choice. I highly recommend reaching out to Kinsey for any POS system needs. Working with Kinsey has been a pleasure!

    Selin Dedeoglu
  • Google review

    All the staff at Omega Bank Card services are polite, competent, friendly, and helpful, especially Kinsey. Nobody seems to get flustered when I'm having problems that I can't figure out.

    Tri County Animal Hospital
  • Google review

    We have been with them a year now and it's an excellent system. The customer service team is amazing. Thank you!

    Andrew Mitchell
Get started

Get My Instant Quote

If cost-recovery is a fit, we'll show you exactly how it works and what you'd earn. No obligation. Prefer to talk? We're here.

Talk to a human. We'll walk you through your statement and your options.