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| Term | Detail |
|---|---|
| Initial term | 36 monthsShift4 (opens in a new tab) · Contract or terms · MPA §1.2. 30 months for agreements signed before December 1, 2025. The Service Agreement for the POS runs for the same term as the processing agreement. |
| Automatic renewal | Renews for 12 monthsShift4 (opens in a new tab) · Contract or terms · |
| Notice to avoid renewal | 90 daysShift4 (opens in a new tab) · Contract or terms · |
| Early termination fee (ETF) | Liquidated damages: a base monthly amount per device, set by your estimated monthly card volume ($100 under $10k up to $750 over $250k), times the number of terminal IDs, times the months left in the term (MPA §8.5.5). Unreturned equipment is charged on top.Shift4 (opens in a new tab) · Contract or terms · If your real volume differs materially from the estimate, Shift4 may use your average of the prior three months instead. |
| How the ETF is calculated | A monthly amount per device for each month left in the term, by monthly card volume:
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| Exclusive processing commitment in the contract | YesShift4 (opens in a new tab) · Contract or terms · |
| Right to raise prices | From the first anniversary, Shift4 may raise total fees each year by the greater of CPI-U + 1% or 7% (MPA §12.15), and the agreement says the bank or Shift4 can change the fees at any time. The Service Agreement lets Shift4 change its rates and fees with 30 days' written notice (§3.e) and raise them each year by the greater of CPI-U + 1% or 4% (§3.g).Shift4 (opens in a new tab) · Contract or terms · |
| Trial period | 30 daysShift4 (opens in a new tab) · Contract or terms · The trial starts at installation. Charges apply during the trial, and equipment added later is not eligible. |
Example: leaving in month 12
We only show a dollar example for a contract with a term once enough ranked POS systems with a term publish what we need to compute theirs, so no vendor stands out just for publishing more. Read the clause above, or put your own numbers in the calculator.
This is general information about published contracts, not legal advice: read your own contract and check with a lawyer before you sign.