Example Proposal

Example Proposal

Below is a page-by-page walkthrough of our proposal format. Atlas Payments proposals are intentionally designed to make selling easier, clearly communicate value, and streamline onboarding. They give our salespeople a powerful, repeatable framework to close deals confidently and efficiently.

Page 1: Cover Page

This is the first page of the proposal and introduces the merchant to Atlas Payments, displaying the business name and the sales representative’s contact information for easy communication throughout the process.

Page 2: Hardware Details

This page outlines the hardware selected to meet the merchant’s needs. In this proposal, free hardware is provided, and a $1,000 installation fee for services is due at signing. Shipping is always included at no cost with Atlas Payments.

Page 3: Software Details

This page outlines the selected hardware configuration and the associated software and security fees. All proposals include the standard $24 TransArmor encryption fee and applicable Clover software plans. Because this proposal includes two Clover Station Duo devices, an additional device fee of $19.95 applies.

Page 4: Processing Rates

This page compares the merchant’s current processing costs to Atlas Payments’ pricing model. In this example, the merchant pays 2.70% + $0.12 per transaction, resulting in an effective rate of approximately 3.30%. By using Atlas Payments’ 4.00% cash discount model, the merchant eliminates their 3.30% annual processing cost (approximately $11,880 per year), shifting the card processing fee to the customer.

Page 5: Proposal Summary

This page summarizes all costs, discounts, and payment details. In this proposal, a $1,000 installation fee is due at signing (payable via ACH or credit card), while all other hardware is provided at no cost. It also confirms the 36-month term, which is standard for all free or discounted hardware programs.

Page 6: Thank You!

This is the final page of the proposal and includes the terms and conditions along with the required signature to execute the agreement. A photo of the signer’s driver’s license is required to complete submission.

Merchant Processing Agreement (MPA)

The final four (4) pages of the proposal make up the Merchant Processing Agreement (MPA). This agreement is required for every Atlas Payments account and must be completed and signed before a merchant can be onboarded. The MPA is where the primary signer, an authorized individual within the business (e.g., Owner, GM, COO), provides the merchant’s legal and ownership information. Every field in this document is required without exception.

NOTE: All information collected in the MPA is sensitive and must be handled with care.

Page 1: Business Information

On Page 1, the primary signer must complete the merchant’s legal business details, including: Legal business name, DBA (doing business as) name, business address, business phone number, business start date, entity type (LLC, corporation, non-profit, etc.), tax filing method, EIN.

After completing the business information, the primary signer must enter their own personal information, even if they are not an owner of the business. If the signer does not have ownership in the business, the ownership percentage must be entered as 0%.

Required primary signer information includes: Full legal name, job title, residential address, SSN, DOB, phone number, ownership percentage.

Example 1: Non-Owner Signer
The General Manager of Ivy Mike’s Bar is the primary signer and holds no ownership in the business.

• The GM enters their personal information under Business Owner Information

• The GM's ownership percentage is entered as 0%

• The actual owner(s) are listed on Page 2 under Additional Business Owners

Example 2: Owner Signer
The owner of Ivy Mike’s Bar is the primary signer and owns 100% of the business.

• The owner enters their personal information

• Ownership percentage is entered as 100%

• No additional owners are required unless ownership is shared

Example 3: Multiple Owners
If there are multiple owners of more than 25% equity stake.

• The primary signer (Owner #1) completes with their own information

• Additional owners are listed on Page 2 under Additional Business Owners

Page 2: Additional Owners & Bank Information

Page 2 is used to list all business owners who hold 25% or more equity in the merchant’s business. For each qualifying owner, the following information must be completed: Full legal name, residential address, SSN, DOB, phone number, ownership percentage.

This page also collects the merchant’s banking information, which is used for: Credit card deposit funding, and processing fee withdrawals. Accuracy is critical, as this information determines where the merchant’s funds are deposited.

NOTE: We strongly recommend obtaining a voided check from the merchant to verify the accuracy of the banking details provided. Incorrect banking information isn't tolerated.

Page 3: Early Termination Fee Acknowledgement

Page 3 is used to acknowledge and authorize the Early Termination Fee (ETF), if applicable to the merchant’s agreement. In this example, the ETF is $3,800.00, which reflects the total value of discounted hardware provided on Page 2 of the proposal.

• If an ETF applies, the primary signer must initial this section to confirm acceptance

• If no ETF applies, no initials are required on this page

Regardless of whether an ETF applies, the primary signer must still sign the agreement at the bottom of the page under “Sign Your Agreement" section.

Page 4: Confirmation

This is the final page and serves as the signer’s acknowledgment of the bank and card brand policies governing the account.

To complete the agreement, the primary signer must provide:

• Printed name

• Signature

• Title

• Date of signature

• Merchant’s legal business name