Zero-cost processing
Surcharge & cash-discount programs, done properly
These programs can offset most or all of your card-processing cost by sharing it transparently with card-paying customers — where permitted. The key phrase is “done properly.”
Surcharge programs
A disclosed fee is added when a customer pays by credit card, offsetting the processing cost of that sale. Card-brand rules cap the amount, require registration and signage, and — along with state rules — control where and how surcharging may run. Debit cards are treated differently and are not surcharged.
Cash discounting / dual pricing
Posted prices reflect a card price and a lower cash price, so customers who pay cash aren’t subsidizing card costs. Displayed pricing, receipts and terminal programming all have to match the program spec exactly.
The honest fine print
- Program rules vary by state and card brand. What’s permitted, the caps, and the disclosure requirements differ — we confirm what applies to your business before anything is switched on.
- Setup has to be exact. Signage, receipt formatting and terminal configuration follow the program rules to the letter — that’s what keeps you inside the lines.
- It isn’t right for every business. Customer mix and competition matter. If we think a zero-cost program would hurt your sales more than it saves in fees, we’ll say so and show you the traditional-pricing alternative instead.
Wondering if zero-cost fits your business?
Start with a free statement analysis — we’ll show your numbers both ways: a traditional pricing comparison and a compliant program option, side by side.
Get My Free Statement Analysis Book a Call
If we can't save you money, we'll tell you. No sales pressure — just honest advice.