MERCHANTS

Zero Cost Payment Processing: compliant, transparent, customer friendly!

MERCHANTS

Payment processing the way it should be done: scalable, transparent, secure!

The Cost of Accepting Credit Cards

Visa is reporting to make significant fee changes in 2020 adding pressure to US businesses already paying $64 billion in transaction fees in 2018. Visa and MasterCard have increased their cost by 24% in the last two years with additional changes occurring every year. Finally, merchants can work to address these growing expenses.

  • US Supreme Court
    In 2017 the USSC ruled that a merchants ability to set pricing was part of protected free speech
  • Corporate and Rewards Cards
    Consumer corporate and rewards card are expensive for merchants to accept, offering them no additional benefit
  • Low-cost Debit, Cash and ACH
    Expense for processing low cost methods are adsorbed by the merchant
  • High Cost Credit Cards
    Consumers are prompted to pay for the additional expense of their credit  transactions
  • Online and In-person
    Accept payments securely through a website or on PCI compliant terminals
  • Decrease operating expense
    Remove up to 3.5% of from processing expenses

Zero Cost Processing Applications 

  • High dollar transactions
    Any business looking to protect their margins in a fair and friendly way
  • B2B transactions
    Distributors, wholesalers, manufacturers
  • Automotive Industry
    Dealership, service centers, parts, repairs
  • Education
    K12, private schools, public schools, higher education
  • Government 
    Courts, permits, fines, fees, pet licenses

Applications 

  • High dollar transactions
    Any business looking to protect their margins in a fair and friendly way
  • Non-Profit
    Retail, on-line, shelters, thrift shops, gift shop
  • B2B transactions
    Distributors, wholesalers, manufacturers
  • Automotive industry
    Dealership, service centers, parts, repairs
  • Education
    K12, private schools, public schools, higher education
  • Government 
    Courts costs, permits, fines, fees, pet licenses

Transparent

  • Completely transparent pricing
    No hidden fees or bait-and-switch pricing
  • Level 2 Data
    Lower your processing costs with the lowest interchange qualifications
  • Comprehensive reporting
    Understand your business revenues, deposits and cost

Compliance

Our team will work with you on implementing a successful, customer friendly program including: registration with the required card brands, signage and messaging and fee structure(not to exceed 4%).

  • Non-profits
    Optional donor covered fees can be supported in all 50 States
  • Government
    Supported in all 50 States
  • Businesses
    Supported in 46 states with additional restrictions in New York and Maine. Not available in CO, KS, CT or MA