Question 1

Why work with Dwight Gooden Jr.?

Accepted Answer

Because you're not calling a 1-800 number. You're working with a representative who picks up the phone, knows your business by name, and brings the full strength of Synergy Processing's 20+ years in payments to your door. The Gooden family doesn't put its name on something it doesn't believe in.

Question 2

How does 0% processing actually work?

Accepted Answer

It's called the Cash Discount program. Cash customers pay the listed price without any markup. Non-cash credit-card customers pay a small surcharge (4%) — clearly disclosed at the point of sale, just like a sales tax line. Debit cards aren't surcharged. The merchant keeps 100% of the listed price on every sale. The program is available where permitted by law.

Question 3

When are my funds deposited?

Accepted Answer

Next business day for most processing volumes. Same-day funding is available on qualified accounts. Specifics depend on your bank and your batch settlement time.

Question 4

What is the Doc Special?

Accepted Answer

It's a named offer for merchants who come in through Dwight Gooden Jr.'s network. Final terms (waived setup, free first month, locked-in rate guarantees, equipment credits) are coordinated with Synergy. Mention it on the contact form or when you book a 15-minute call and Dwight will walk you through what applies to your business.

Question 5

What's the upfront cost to switch?

Accepted Answer

$0. No upfront cost, no equipment cost, no installation fee. The Clover Flex is included with your membership at $49/month. Other equipment (Clover Mini, Clover Full Station, DejaVoo terminals) is available — Dwight will recommend the right device for your business.

Question 6

Will my customers complain about the surcharge?

Accepted Answer

Most don't notice — the surcharge appears as a small line item, just like sales tax, and is fully disclosed at the point of sale and on the receipt. Cash and debit customers are completely unaffected. Most merchants who switch tell us the question never comes up.

Question 7

Is the program available in every state?

Accepted Answer

Surcharging rules vary by state. Connecticut and Massachusetts prohibit surcharges; New York and Maine have specific disclosure caps. Synergy supports the program where it's permitted by law and uses a compliant Cash Discount alternative where it isn't. Dwight will confirm what applies to your jurisdiction before you sign up.

Question 8

What about small business funding?

Accepted Answer

Beyond payment processing, Synergy offers small business loans / advances ($10,000–$1,000,000) with terms from 6 months to 5 years. Decisions in 12–48 hours. Eligibility: 6+ months in business, 500+ credit score, $150,000+ in annual revenue. Dwight handles both processing and funding inquiries.

Question 9

What pricing programs do you offer?

Accepted Answer

Three. Cash Discount removes card-processing cost from your bottom line by offering cash customers a lower price. Surcharge passes a 4% fee to credit-card customers — debit cards aren't surcharged, they're billed at 1.49% + $0.26. Cost Plus / Wholesale keeps fees on the merchant but at a transparent interchange-plus rate. All three are available where permitted by law, and Dwight will help you pick the right fit for your average ticket and customers.

Question 10

What is Synergy Merchant Rewards?

Accepted Answer

It's an active rewards program for merchants enrolled in the Cash Discount or Surcharge program. You earn 2 points for every $1 processed on card volume — typically about 18–20 basis points of volume, roughly $180–$200 a month on $100,000 processed — redeemable for a cash-back Visa or hundreds of gift options, with no redemption or shipping fees. A self-service redemption portal is launching soon; until then, Dwight can walk you through redeeming what you've earned. Available where permitted by law.

Common questions