Miami-Dade County
Square POS & card processing in Miami, FL
Point-of-sale setup, payment processing and local support for Miami, FL businesses — in English, Spanish and Russian.
Approx. 20 miles from our Hollywood office
What should a business in Miami, FL decide before setting up card acceptance?
Decide what share of your sales is genuinely card-present, because that is what the configuration should be built around. A Brickell lunch counter, a Calle Ocho family restaurant and a Wynwood bar at midnight are not one market with three addresses: the card mix differs, the average ticket differs, and the share of business taken by phone or online differs with them. Which transactions are tapped at a terminal, which are keyed in, and which arrive as an invoice are three different setups wearing the same name. The Federal Reserve's 2026 Diary of Consumer Payment Choice found credit and debit cards covering two-thirds of all consumer payments in 2026 — but the only figures that decide anything for your own counter are your own, and we will read a statement and work through them with you in English, Spanish or Russian.
In short:Two Miami businesses with identical monthly volume can need completely different setups, because how the cards arrive is not the same fact as how much arrives.
Sources: Federal Reserve Financial Services, 2026 Diary of Consumer Payment Choice (2026)
Why the rate you were quoted and the rate you pay differ in Miami
Miami counters see a share of international and manually keyed cards that most of the country does not. Both are processed differently from a chip card tapped by a local, and the gap between the number on the flyer and the number on the statement is mostly made of those two things. We publish 2.6% + $0.15 for card-present work and a 4% cash discount program, and the honest part of the conversation is which of your transactions actually land in the first bucket.
Brickell, Little Havana, Wynwood and Coral Way each produce a different mix. A Brickell lunch counter, a Calle Ocho family restaurant and a Wynwood bar at midnight are not one market with three addresses — the card mix differs, the average ticket differs, and the fraction of business done over the phone or online differs with them.
The way to settle it is arithmetic, not argument: take total fees for a month, divide by total card volume, and look at the number that comes out. That is your real rate. We will read a statement and do that with you, and if the answer is that you are already being treated fairly, that is the answer you get.
Areas we cover in Miami
- Brickell
- Little Havana
- Wynwood
- Coral Way
2590 Hollywood Blvd, Hollywood, FL
Estimate your card processing cost
≈ 1,053 approx. transactions/mo
Or move the cost off your books entirely
There's a second program: a flat 4% carried by the customer as a cash discount, which can offset or fully eliminate what you pay to accept cards.
$1,600/mo
Amount shifted off your P&L at your current volume. This is a different pricing structure, not a lower rate — it changes who pays, and it has its own disclosure rules we'll walk you through before you decide.
Estimated monthly cost on Square rates
$1,286/mo
- Typical legacy processor range
- $1,265 – $1,655
- Estimated monthly difference
- $0 – $369
- Estimated per year
- $0 – $4,434
Estimate only, based on the standard published rate and a typical range for legacy merchant-services statements. Your actual cost depends on card mix, average ticket and your current contract. This is not a quote.
Not sure what you pay now? Two numbers from your statement show your real effective rate. Effective rate calculator
Nearby areas we cover
Get your Miami business set up
Send one statement. You will get the arithmetic back, in the language you sent it in, with no obligation attached to it.