Now accepting new merchants — apply in 2 minutes

Eliminate credit card
processing fees
for $45 a month.

You didn't build your business to hand 3% of every sale to a processor. Primary Legacy moves that cost off your books, places your equipment free when you qualify, and gets you live in 48 hours.

No credit pull · No contract to apply · Keep your bank

$0
Flat monthly fee
0%
Processing cost to you
0h
Typical go-live

Today's batch

Funded next day
Card sales$8,420.00
Processing fees$0.00
Monthly service$45.00
Deposited to you$8,420.00

Terminal prompt preview

Cash price$100.00
Card price$104.00
RestaurantsSalonsAuto shopsRetailConvenienceLiquor storesBakeriesBarbersFood trucksBoutiquesGymsSmoke shopsRestaurantsSalonsAuto shopsRetailConvenienceLiquor storesBakeriesBarbersFood trucksBoutiquesGymsSmoke shops

Do the math yourself

See what fees are costing you right now

Live savings estimator

Move the sliders. Watch the fees disappear.

Monthly card volume$45,000
Average ticket$45
What you pay today2.90% + $0.30

Roughly 1,000 transactions a month at that ticket size.

You keep

$18,720/year

97% of today's processing cost eliminated.

Processing fees today
$1,605/mo
With Primary Legacy
$45/mo
Saved every month
$1,560
Over 36 months
$56,160
Apply and lock this in

Estimate only. Your exact rate is negotiated in your demo appointment — dual pricing starts at 4% and is negotiable down to 3.8%.

Payment terminal showing a cash price and a card price side by side

Pre-programmed, compliant prompts

Two prices on screen, the way gas stations have done it for decades. Card or cash, the terminal handles it — and the processing cost stops coming out of your margin.

Business owner handing a receipt to a customer at the counter

Same checkout, better economics

Your counter doesn't change. Your line moves the same. What changes is the deposit — the full ticket lands in your bank instead of a percentage of it.

Why owners switch

Everything a processor should have given you in the first place.

Processing fees: gone

Compliant dual pricing moves the card cost off your P&L. Your deposits stop shrinking and your effective rate goes to zero.

Flat $45 a month

One predictable line item. No tiered surprises, no PCI padding, no statement math you need a magnifying glass for.

Free terminal placement

Qualify on volume and we place your terminals at no equipment cost — Valor, PAX, Dejavoo, Clover or a full POS.

Live in 48 hours

Programmed, shipped and trained fast. We watch your first batches and confirm next-day funding.

Compliance handled

Card-brand-compliant prompts, receipts and signage come pre-programmed. You don't have to interpret the rulebook.

Humans who answer

A named specialist, not a ticket queue. Statement reviews, staff training and same-day answers.

The honest comparison

What you have today vs. what you could have Friday

Typical processor

  • 2.6%–3.5% of every single sale
  • $0.10–$0.30 per transaction, forever
  • PCI, batch, statement and annual fees
  • Rate increases you find out about later
  • Terminals leased on 48-month contracts
  • Support means a chat bot

Primary Legacy

  • $45 a month, flat, on the Core plan
  • Processing cost eliminated with dual pricing
  • Free terminal placement when you qualify
  • Rate negotiated with you, in writing
  • Next-day funding
  • A named specialist who answers the phone
Start my application

Owners who stopped paying the toll

We were handing over almost two thousand a month in fees. Now it's forty-five dollars and my customers never blinked.
Independent restaurant · ≈$62K monthly volume
The statement review was the moment it clicked. They showed me exactly what I was paying versus what I'd pay.
Auto repair shop · ≈$38K monthly volume
Terminals arrived programmed, staff trained in ten minutes, and funding hit the next morning like they said.
Retail boutique · ≈$21K monthly volume

Your next deposit could be whole.

Apply in two minutes. A specialist reviews your statement and calls you back with your exact savings within one business hour — no obligation, no credit pull.

Direct line

Talk to the owner directly

No call center, no gatekeepers. Kamari reviews your statement personally and tells you exactly what you'd keep.

Kamari Bourdeau · Owner & Payments Specialist

Mon–Sat · 8am–8pm ET