Fiserv vs TSYS: A Merchant‑Focused Comparison
Centaurus Merchant Services is a registered ISO for both networks— which means you keep your favorite platform and still slash costs with our ultra‑low Interchange + 0.20 % + $0.10 rate (Or Lower!)or 0 %‑surcharge program.
Side‑by‑Side Feature Matrix
| Feature | Fiserv / First Data | TSYS (Global Payments) |
|---|---|---|
| Core Gateway | OmniPay & Payeezy (legacy), Clover Gateway (cloud‑native) |
TransIT & Genius (formerly Cayan), Vital Platform |
| POS Hardware Ecosystem | Clover Flex, Mini, Station, FD150, FD2000, PAX A‑series | Vital Select & Go terminals, Genius mini, Dejavoo Z‑series |
| Funding Schedule | Next‑Business‑Day ACH (batch ≤ 11 PM ET) | Standard 24–48 h ACH (cut‑off 10 PM ET); same‑day option for Select merchants |
| International Reach | 46 countries, multi‑currency & DCC support | 30 countries, multi‑currency via Global Payments FX platform |
| Virtual Terminal & Invoicing | Clover Dashboard (Pay‑by‑Link, invoicing, recurring) | MX™ Merchant VT & Invoicing (cloud); Vital Backoffice |
| ACH / eCheck Options | TeleCheck, Clover ACH | ACH.com (Global Payments ACH), Authorize.net eCheck |
| Surcharge & Cash‑Discount Support | Built‑in Clover Surcharge app | MX™ Merchant 0 % Fee engine, Vital Dual‑Pricing |
| High‑Risk Tolerance | CBD, travel, nutraceuticals by case review | CBD, firearms & subscription boxes by case review |
| API & Developer Tools | Clover REST, Payeezy API, CardPointe Cloud (CardConnect) | TSYS TransIT REST, Genius semi‑integrated, Global Payments Dev‑Tools |
| PCI Programs | P2PE tokenization, Clover Security (PCI Rapid Comply) | Point‑to‑Point token vault, PCI SmartSauce self‑assess portal |
Why a Processor‑Agnostic ISO Matters
By partnering with both Fiserv and TSYS, Centaurus gives you the freedom to:
- ✔️ Keep mission‑critical integrations (e.g., Clover App Market, Genius semi‑integrated) without migrating data.
- ✔️ Negotiate true Interchange+ pricing below direct bank rates—because we buy at ISO tier costs.
- ✔️ Mix & match: run retail on Clover hardware, e‑commerce on TSYS gateway, one statement.
- ✔️ Switch between back‑ends if your business outgrows current features—no new application fees.
How Much Can You Save?
Example: A café processing $40 k/month on Clover flat‑rate 2.60 % + $0.10 pays about $1,140 in card fees. Switch to Centaurus Interchange + 0.20 % + $0.10 and the effective cost drops to roughly $520—an annual savings of $7,440.
Lower Your Rates—No Matter the Back End
Email hello@merchantservicesmx.com or call (888) 731-0456 for a free statement analysis and side‑by‑side Fiserv vs TSYS proposal.
Get My Savings Report