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.

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