Everything you need in one place.
The merchant's legal business name and Tax ID must match IRS records exactly. Mismatches cause withholding — a portion of their deposits gets sent to the IRS. Double-check before submitting.
Stay current on programs, tools, and policy changes.
Master the fundamentals of merchant services sales. Click any module to begin.
Know every product inside and out — match the right solution to every merchant situation.
With cash discount, merchants post two prices — a cash price and a card price. The card price covers the processing fee (3–4%). The merchant nets the same on every transaction regardless of payment type. Their monthly processing bill: zero.
A business doing $30K/month saves $900–$1,200/month in fees. That's up to $14,400/year back in their pocket — with zero change to their revenue.
Removes the upfront hardware barrier for new merchants. A portion of your residual is offset until the hardware cost is recovered — after that, your full split resumes.
| Device | Standard Price | Advantage Price |
|---|---|---|
| Clover Flex 3 Bundle | $395 | $0 |
| Clover Mini 3 Bundle | $725 | $0 |
| Clover Station Solo w/ Cash Drawer | $1,250 | $799 |
| Clover Station Duo 2 w/ Cash Drawer | $1,499 | $999 |
| Plan | Best For | 1st Device | Each Additional |
|---|---|---|---|
| Payments | Basic card acceptance only | $0/mo | $7.95/mo |
| Healthcare | Healthcare MCCs | $0/mo | $11.95/mo |
| Essentials | Basic inventory + reporting | $29.95/mo | $11.95/mo |
| Retail Growth | Retail businesses | $84.95/mo | $19.95/mo |
| Services Growth | Service-based businesses | $84.95/mo | $19.95/mo |
| Restaurant Growth | Full-service & QSR restaurants | $89.95/mo | $19.95/mo |
The Clover Platform Fee ($34.95/mo per MID) is required on every Clover account — in addition to the software plan. It is separate and mandatory. Missing this at boarding will cause rejection.
Word-for-word scripts for every stage of the sales process.
"Hi, is the owner or manager available? I'm [Name] with Merchant1 Solutions — we work with small businesses across Texas helping them eliminate or significantly reduce their card processing fees. I want to take just 2 minutes to show you what we're doing for other businesses in your area. Is now a good time or would later this week work better?"
You're not asking if they want to hear a pitch — you're assuming interest and giving two options. You lead with the benefit (save money), not the product. Always.
"That's great — most of our best customers came from another processor. Here's what I'd like to do: we have a $500 rate beat guarantee. Show me your last processing statement, and if I can't beat your current rate, I'll write you a $500 check on the spot. No obligation to switch. What do you have to lose?"
The guarantee flips the risk from them to you. Now they have nothing to lose by showing you the statement — and you can let the numbers close the deal for you.
"That's great — most people I talk to feel that way until we compare. I'm not asking you to switch today. Just let me pull up your last statement and show you what you're actually paying. If there's no savings, I walk out and never bother you again. Fair?"
Don't argue. Acknowledge and pivot to getting the statement. Numbers close deals — not words.
"Of course. Can I ask — what specifically are you thinking through? Is it the switch itself, the equipment, the service charge for card customers, or something else? [Listen.] Got it — so if I can address that, are you ready to move forward?"
"I need to think about it" almost always hides a specific objection. Ask what it is directly. Then address that — not the general hesitation.
"When does that end? [Listen.] Perfect — I'll reach out 60 days before that. In the meantime, let me show you what you'd be saving so when that day comes, you know exactly who to call. Can I get your email?"
Add them as a New Lead and set a follow-up for 60 days before contract end. These leads close consistently because the timing is built in.
"Completely understand — nobody wants more on their plate. Here's the thing: I handle everything. I set it up, train the staff, and I'm your local contact if anything ever goes wrong. Most businesses are live in 3–5 business days with zero downtime. You don't do anything except say yes."
"I hear that a lot — and I'd feel the same way. The reason we can do this is cash discount. Instead of you absorbing the processing fee, card customers pay a small service charge. It's the same model gas stations have used for years. Completely legal, card-network compliant, required disclosures built into the terminal. Let me pull up a demo right now."
"That's the most common concern — and it almost never plays out that way in practice. Less than 1% of businesses we've set up see real pushback. Customers are used to this everywhere now. And cash customers actually get the better price, which they love. Your regulars aren't going to stop coming in over a few cents."
"Absolutely — decisions like this are always better together. When are you both here at the same time? I'd love to come back and go through it with both of you. Would [specific day] work, or is another day better?"
Get a specific day and time before you leave. "I'll reach out next week" is not a follow-up plan — it's a dead deal.
"I'm sorry to hear that — and honestly, that's exactly why I'm here. I'm local. If something goes wrong, you're not calling a 1-800 number and waiting on hold. You call me directly and I handle it. What happened with your last processor? [Listen and address the specific issue.]"
Get specific about what went wrong. Then explain specifically how that wouldn't happen with M1S. Don't make general promises — give specific answers to specific problems.
Refer merchants for Business Cash Advances and earn a commission on every funded deal.
A Business Cash Advance (BCA) lets a merchant receive a lump sum in exchange for a small percentage of their future daily sales. Repayment is automatic — pulled from card volume each day. No fixed monthly payment, no collateral required.
Multiple existing advance positions (stacking), frequent negative bank balance days, or business open less than 6 months. Don't refer if multiple red flags apply.
"Hey [merchant name], one more thing while I'm here — we recently launched a business funding program. If you ever need quick access to cash for inventory, equipment, slow seasons, or expansion, we can get businesses like yours $5K–$500K based on their sales history. It's not a loan — it's based on what your business already earns. No collateral, no fixed monthly payment. Approval in 24–48 hours. Would it be worth a 5-minute conversation?"
Seasonal businesses, restaurants before peak season, merchants expanding to a new location, businesses mentioning slow months or cash flow concerns. These are your warmest funding referrals.
Everything agent-side runs through CoPilot. Know it well.
CoPilot is where you'll manage your entire merchant portfolio — from application submission to residual reporting to merchant support. Log in at least weekly.
Open CoPilot →Submit digital applications with real-time status tracking.
Line-item residual detail — see exactly what you're earning and why.
Order and manage Clover hardware directly from the portal.
Submit support requests, profile changes, operational requests.
Track merchant risk status and respond to compliance issues.
Full visibility into every merchant — status, volume, activity.
| Request Type | What's Included | SLA |
|---|---|---|
| Profile & Bank Changes | Bank account, phone, email, address updates | 3–5 Business Days |
| Sales Code Creation (Partner-paid) | New agent codes funded by you | 5–7 Business Days |
| Sales Code Creation (Fiserv-paid) | New agent codes funded by Fiserv | 7–10 Business Days |
| Legal Name Change | DBA/Legal name, ownership changes | 10–15 Business Days |
The timer only starts once ALL supporting documents are submitted. Incomplete submissions will delay your request — sometimes significantly.
Primary method for Clover and terminal hardware. Submit the order, then open a CoPilot partner ticket to confirm.
For supplies (receipt paper, accessories). No ticket required. onlinestore.fiserv.com
| Item Type | Restocking Fee |
|---|---|
| Standard Clover device | 20% of device cost |
| Clover Kiosk | 30% of device cost |
| Non-serialized items (per order) | 20% of order |
| Accessories (cash drawers, etc.) | $10.00 per item |
Keep the device and request a re-provision for a different merchant — no restocking fee.
Estimate your monthly earnings before pitching a merchant — know the numbers going in.
Estimates only — actual residuals depend on transaction mix, interchange costs, and merchant behavior. Use as a directional reference.
| Monthly Volume | Estimated Net Margin | Your Share (50%) | 10 Merchants Like This |
|---|---|---|---|
| $10,000 | ~$180 | ~$90/mo | ~$900/mo |
| $20,000 | ~$360 | ~$180/mo | ~$1,800/mo |
| $50,000 | ~$900 | ~$450/mo | ~$4,500/mo |
| $100,000 | ~$1,800 | ~$900/mo | ~$9,000/mo |
Every merchant you board keeps paying you every single month — indefinitely. Focus on activations. 20 solid merchants at average $50K/month = around $9,000/month in passive residuals.
Common questions from agents. Can't find your answer? Call Emerson.
Your equipment balance, invoices, and orders with Merchant1 Solutions.
Who to call and when — always start with Emerson for M1S-specific questions.
For deals, boarding status, commissions, equipment, or anything M1S-related — reach out directly. Real support from a real person.