Keep 100% of every sale.
A small service fee is added to card payments at checkout. You receive your full list price on every transaction.
Curious how much you’d net? Run the savings calculator → · View methodology
How it works
Instead of you paying the 2‑3% card processing fee, your customer covers the cost at checkout.
Example transaction
Dual pricing at checkout
Your POS shows a cash price and a card price. Customers choose how to pay.
You keep your full price
Sell a $100 item, deposit $100. The service fee is covered by the cardholder.
We handle compliance
Signage, POS configuration, receipt formatting. Full Visa and Mastercard compliance.
Predictable costs
Your processing costs drop to near zero. Deposits are predictable with clear daily reporting.
Who uses Zero‑Fee
Low‑margin businesses
Gas stations, convenience stores, and quick‑service restaurants that can't absorb 2‑3% per transaction.
High‑ticket sellers
Where 3% means hundreds per sale. Keep your full price instead of losing it to processing fees.
Predictable deposits
Any merchant who wants near‑zero monthly processing fees and clear daily reporting.
Fully compliant. We handle everything.
Dual pricing is approved by Visa and Mastercard nationwide. We provide the required signage, configure your POS, format your receipts, and train your staff so you don't have to worry about it.
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Clear signage at the register
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Separate line items on receipts
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POS auto‑adjusts for debit vs credit
Works for your industry
We configure Zero‑Fee for retail, restaurants, services, and e‑commerce, including signage, POS setup, and staff training.
Common questions
From the guide library
Zero‑Fee processing, explained
How compliant cash‑discount programs work and who they fit best.
Read the guide →
What is a cash discount program?
A worked receipt example, the federal law behind it, and how to set one up right.
Read the guide →
What is dual pricing?
The two-price model, the Visa rule that keeps it from becoming a surcharge, and how debit cards are treated.
Read the guide →
Cash discount vs surcharge vs dual pricing
A chooser table on debit cards, state rules, signage, and customer reaction, plus which one fits your business.
Read the guide →
Is Zero‑Fee processing legal in Florida?
The statute, the court ruling that ended it, and the disclosure rules that still apply.
Read the guide →
Ready to keep 100% of every sale?
Talk to our team about Zero‑Fee Processing. We'll review your statement and show you what you'll save.