Credit Card Processing at Zero Cost
- Terminals compliant with surcharge regulations
- Competitive credit card processing rates
- Streamlined paperwork
- Month-to-month conditions
- Fast approval
- 24/7 customer support availability


Understanding Zero-Fee Credit Card Processing
Zero-fee processing is a program that eliminates charges for all accepted POS transactions, significantly benefiting businesses. While credit card processing fees can dent company profits, many small businesses prefer credit card processors that offer zero-fee options, helping them maximize earnings.
It’s crucial to recognize that processing credit card transactions incur costs such as interchange, monthly, and chargeback fees. Zero-fee programs shift these costs to the cardholder through surcharging, allowing customers to pay slightly higher prices for credit card transactions or the original price for cash transactions. This model lets businesses offset processing expenses while allowing customers to choose their preferred payment method. By communicating surcharge policies, companies can maintain transparency and ensure a positive customer experience.
Merchants can also introduce a cash discount program, where customers get a discount if they pay with cash while paying the original price when using a card. Although these two zero-cost processing methods may seem similar, fundamental differences exist.
Depending on whether a surcharge or cash discount program is used, fees for debit card payments may be eliminated. Cash discounts remove processing fees for debit payments, whereas surcharges do not.
Factors to Consider Before Passing on Credit Card Fees to Customers
Before opting for a zero-cost program, it’s essential to consider a few drawbacks.
Firstly, customers may not appreciate paying extra to use their credit cards. In the United States, where most businesses accept credit card payments, passing on card fees can put you at a competitive disadvantage, especially in a competitive market. Customers have come to rely on credit card rewards, and passing on fees may drive them to seek alternatives.
Secondly, each state has specific regulations concerning zero-fee credit card transactions, surcharging, and similar fees. Therefore, it’s crucial to know your state’s laws before proceeding.
The following states and territories have restrictions on passing credit card transaction fees to consumers:
- California
- Colorado
- Connecticut
- Florida
- Maine
- Massachusetts
- New York
- Texas

Credit Card Processing Laws for Zero-Cost Programs
Navigating the intricacies of zero-cost processing involves adhering to laws governing this payment method. While certain states, like Texas, prohibit such programs, many others permit surcharging if regulations are observed and implemented correctly.
In states where surcharging is prohibited, businesses can opt for a cash discount program to still benefit from zero-cost credit card processing. It’s crucial to diligently research your state’s processing laws online and stay informed about permissible practices. Your merchant account provider can assist in ensuring compliance with local regulations. By prioritizing adherence to legal requirements, you can confidently focus on growing your business while maximizing cost savings through zero-cost processing solutions.
Businesses We Support for Free Credit Card Processing
Unity Payments is dedicated to advocating for businesses of all types, including high-risk merchants, by offering comprehensive and free credit card processing services. This commitment to inclusivity extends across a broad spectrum of industries.
Merchants can also introduce a cash discount program, where customers get a discount if they pay with cash while paying the original price when using a card. Although these
Tailored Payment Solutions for Small Businesses
two zero-cost processing methods may seem similar, fundamental differences exist.
Unity Payments prides itself on providing personalized payment solutions tailored to small businesses. Leveraging our extensive expertise in payments across diverse industries, we lift your payment solutions to the next level, ensuring flawless transactions and customer satisfaction.
Advantages of Fee-Free Credit Card Processing
Simplified Online and Mobile Banking Features
Minimize Credit Card Payment Processing Fees When opting for zero-cost credit card
By utilizing zero-cost credit card processing, your customers effectively cover your processing fees, reducing your operational costs.
Retaining Standard Prices for Products and Services
When your business bears the burden of merchant account expenses, it becomes susceptible to unpredictable fees and costs, making it challenging to accurately and competitively price your offerings. However, with this program, you can consistently determine the precise amount received for each product or service, allowing for better financial planning and pricing strategies.
Promoting Cash Payments
Implementing a higher price for credit card transactions encourages customers to consider opting for cash payments, effectively reducing the impact of credit card fees on your business.
Common Queries About Fee-Free Credit Card Processing
We often receive numerous inquiries regarding no-fee credit card processing. Let’s delve into some typical questions and their respective answers:
Is my business eligible for zero-cost processing?
Most businesses seeking to accept credit cards can qualify for zero-cost processing. We are pleased to partner with companies of all sizes, risk levels, and processing histories.
How does cash discounting differ from surcharging?
Cash discounting provides customers with a tangible benefit for paying with cash by reducing the original price. This incentivizes cash transactions and allows customers to enjoy savings on their purchases. On the other hand, surcharging involves an additional fee to the original price for credit card transactions.
Is it acceptable to transfer processing fees to my customers?
It’s permissible, but this action could potentially evoke animosity from customers. If other businesses within your industry refrain from transferring credit card fees, they might become the preferred choice for customers in their subsequent purchases.
What steps can I take to ensure compliance with surcharging laws?
Surcharging laws differ across states, with some states prohibiting it entirely. Begin by researching the surcharging laws applicable in your state. By adhering to your local regulations, you can ensure compliance with surcharging laws and prevent potential issues.