💳 Compliant & Card-Brand Approved
0% Credit Card Processing for Your Business
Eliminate credit card processing fees legally with compliant cash discount and surcharging programs. Keep more of every sale.
How 0% Processing Works
Two compliant approaches — both reviewed and configured by our team before you go live.
⚖️ Cash Discount
Post a slightly higher shelf price and offer a discount for cash-paying customers. Clear signage and transparent receipts are required. Simple to operate — many retail and food service businesses use this model.
🛡️ Compliant Surcharging
Add a disclosed fee to eligible credit card transactions where permitted by state law and card brand rules. Debit transactions are excluded. We handle registration and compliance requirements.
Is 0% Processing Right for Your Business?
Good candidates typically share these characteristics:
- Customers are not highly price-sensitive about payment method
- Average ticket is high enough that a small disclosure fee isn't disruptive
- Business is in a state where surcharging is permitted
- Staff can consistently follow a simple script at checkout
- Signage and receipt messaging can be updated
Frequently Asked Questions
Is 0% credit card processing legal?
Compliant cash discount and surcharging programs are legal in most US states when implemented according to card brand rules. State laws vary — we verify compliance for your specific location before recommending a program.
What's the difference between cash discount and surcharging?
A cash discount program posts a slightly higher listed price and offers a discount for cash payment. A surcharge program adds a disclosed fee to credit card transactions only. Both can effectively reduce net processing costs to near zero when implemented correctly.
Will customers be upset about the fee?
When disclosed clearly — with proper signage, staff scripting, and receipt formatting — most customers accept the policy, especially when it's common in your industry. We provide all disclosure materials and staff training guidance.
How do debit cards work with 0% processing?
Card brand rules prohibit surcharging debit cards. In compliant programs, debit transactions are either exempted from the fee or handled through cash discount pricing. We configure your program correctly from the start.
Ready to Go to 0%?
Upload your statement and we'll show you whether 0% processing is the right fit for your business — and exactly how much you'd keep.