Zero-fee card processing that lets you keep every sale
Most small businesses lose about 3% of every card payment to fees. We match you with a provider that sets up a compliant zero-fee program for you.
Free · No obligation · A specialist calls you within one business day
How much are card fees costing you?
Move the sliders to match your business. Your processing statement lists your total fees and total card sales, which give you your exact effective rate.
Start my free auditSee if you could keep about $9,000 a year.
Estimate your savings
Estimate only. Effective rate = total fees on your statement divided by total card sales. Monthly program fees not included.
Two ways to price card payments
Here is how a zero-fee cash discount program compares with the traditional setup most businesses start with.
| Model | Who pays the fee | Debit cards | Where it is allowed | Best for |
|---|---|---|---|---|
| Traditional processing | You, on every sale (often 2.5% to 3.5%) | You pay | Everywhere | Businesses that cannot change prices or signage |
| Cash discount | Card payers. Posted prices include the card cost and cash payers get a discount | Included | All states | Restaurants, convenience stores, salons, auto repair |
Not sure which fits your state? Read Cash discount vs. surcharge: what is legal and how to set it up.
From quote to fee-free in about a week
Send a statement
Share a recent processing statement so we can find your real effective rate and hidden fees.
Compare quotes
We match you with a provider and show the monthly program cost next to what you pay today.
Get your terminal
Your provider programs the terminal for cash discount or surcharging and ships it ready to use.
Post your signs
Put up the required entrance and register signs, train staff, and start keeping the fee.
Zero-fee processing guides by business type
Each industry has its own margins, tipping rules and customer expectations. Start with the guide closest to your business.
Restaurants
Zero-fee processing for restaurants
Handle tips, pay-at-table and online orders under a cash discount program.
Read the guide
Convenience & grocery
Zero-fee processing for convenience stores
Protect thin margins and run EBT on the same terminal.
Read the guide
Food trucks & vendors
Mobile zero-fee processing
Handheld terminals that work on cellular data at markets and events.
Get a quote
Salons & spas
Zero-fee for salons
Keep the fee on services, retail products and tips.
Get a quote
Auto repair
Zero-fee for auto shops
Large repair tickets mean big fees. Keep that money in the shop.
Get a quote
A real specialist sets everything up with you
You will not be left with a box and a manual. Your payments specialist reviews your statement, programs your terminal for the right pricing model, helps with your signage, and stays your contact after you go live.
- One named contact, by phone or text
- Terminal programmed and tested before it ships
- Help with EBT applications when you need them
Add EBT to the same terminal
If you sell groceries or eligible food, accepting EBT can bring in customers your competitors turn away. Most zero-fee terminals handle EBT once your business is authorized.
You apply online with the USDA Food and Nutrition Service. If approved, you receive an FNS number, and your processor uses it to turn on EBT at your terminal. Farmers market vendors and food trucks selling eligible groceries can qualify too. Tell us you need EBT in the form below and your provider will help with the application.
Zero-fee processing FAQ
What is zero-fee credit card processing?
Zero-fee processing is a pricing program that moves the cost of card acceptance from the business to the customers who choose to pay by card. It is set up either as a cash discount, where cash payers get a lower price, or as a credit card surcharge added to credit card sales. Done correctly, the business keeps close to 100% of each sale.
Is zero-fee processing legal?
Cash discount programs are allowed nationwide. Credit card surcharges are allowed in most states but are banned or restricted in a few, and the card networks cap surcharges and require signs and receipt disclosures. Our guide to cash discount vs. surcharge rules explains what to check for your state.
Will my customers be upset?
Most customers are used to card fees from gas stations, restaurants and online checkouts. Clear signs at the entrance and register, and a staff script for questions, keep complaints rare. Some businesses also keep a small monthly fee and absorb debit costs to stay competitive.
Is there really no cost to me?
Your transaction fees go to zero or close to it, but most programs still charge a monthly account or equipment fee. Ask for the monthly fee, any terminal lease or purchase cost, contract length and early termination fee in writing before you sign.
Can I accept EBT and SNAP with a zero-fee terminal?
Yes. Many zero-fee terminals also process EBT once your business is authorized by the USDA Food and Nutrition Service.
Send your statement. Get a free audit of your card fees.
Upload a recent processing statement and a payments specialist will find every fee you pay today, then show what you would keep on a zero-fee program.
Prefer to talk? Call (708) 824-6186