Frequently Asked Questions

Answers to the questions we hear most often from business owners considering Zero Cost Processing.

What is Zero Cost Processing?

Zero Cost Processing is a payment model that allows businesses to offset credit card processing fees by passing those fees to the customer at the point of sale. It is commonly structured as either a Cash Discount Program - where cash-paying customers receive a discounted price - or a Surcharge Program, where customers paying by credit card see a clearly disclosed fee added to their total. Either way, your business recovers the cost of processing.

Is Zero Cost Processing legal?

In most U.S. states, yes - when done properly. Businesses must follow strict compliance rules: customers must be clearly informed at the point of entry and point of sale, surcharges cannot be applied to debit or prepaid cards, and the surcharge amount cannot exceed the actual cost of processing. Some states have specific restrictions. We verify local requirements before setup and provide all required signage and receipt messaging to keep you compliant.

Will my customers have to pay more?

Customers who pay by credit card will see a small, clearly disclosed fee - typically 3-4% - added to their total. Customers who pay with cash or debit pay no additional fee, and may receive a discount depending on how your program is structured. The fee is always displayed transparently before the customer completes their purchase.

What is the difference between a Cash Discount and a Surcharge Program?

A Cash Discount Program sets a slightly higher posted price and offers a discount to customers who pay with cash. A Surcharge Program posts the base price and adds a clearly disclosed fee for customers who pay with a credit card. Both approaches allow your business to recover processing costs - the right fit depends on your business type and customer base. We will help you determine which structure makes the most sense for you.

What do I need to get started?

Most businesses need a compliant payment terminal, required signage posted at the point of entry and point of sale, and staff who can answer basic customer questions about the program. We handle all of it - terminal configuration, signage, automated receipt messaging, and staff training. Most clients are fully set up and live within 24-48 hours.

Can the fee be applied to debit card transactions?

No. Card brand rules and federal regulations prohibit surcharges on debit or prepaid card transactions. Our program is configured to apply fees to credit card transactions only. Customers paying with debit or cash are completely unaffected.