Zero Fee Processing Eliminates Credit Card Processing Fees

Are you tired of paying outrageous merchant service fees?

Our Zero Fee Processing Program allows merchants to collect up to 100% of their revenue without all of the extra fees that come with accepting credit cards! You get the full purchase price for the transaction. The fees for processing the cards come directly to us and pay all your monthly transactions. When you receive your statement each month, you will always pay zero. Finally, a solution that completely eliminates merchant service fees. We reduce your credit card fees 100%.

Accept Credit Cards Without The Cost

Boost your business’s revenue and incentivize cash payments without any disruption to your day to day operations. Contact us today and learn why 1,000’s of businesses are implementing the Cash Discount Programs!

Whats Sets Us Apart From Other Zero Fee Processors

100% of the merchant fees are gone forever with no monthly fees
100% free terminals
Month-to-month contracts on all accounts
Available in all 50 states
Next day funding (11 PM EST )
Terminal placement programs
Unmatched customer service 24/7

EQUIPMENT FOR EVERY BUSINESS TYPE

Whether you are in-store or on the go, we have the platform to help run and manage your cash discount program. All our solutions meet the federal and state cash discount regulations by automating service fees and discounts with built-in cash discount technology and detailed customer receipts. We have the following options:

POS Systems	Terminals	Gateways

Wouldn’t you like your merchant statement to look like this? ZERO MONTH END FEES!!!

Is the Cash Discount Program Right For Your Business?

Check out Frequently Asked Questions from other merchants just like you.

Common Questions About the Cash Discount Program

What is Cash Discount Program?

The Cash Discount Program allows you as a merchant to offset most of your merchant services fees.It is a method of implementing a service fee to all customers, while providing a discount to those who pay with cash.

How does it work?

Your posted prices for items will be the cash discount prices. Any customer paying with a card will have a small service fee added to all of their transactions.

How much does it cost?

There are no extra fees for you as a merchant! In fact, you will be provided with tremendous savings. Merchants pay a fee of $14.95 per month for your processing account. Your savings are easy to calculate; if you paid $650 last month you will save up to $635 each month!

How is this different from a Surcharge?

A surcharge is when the merchant increases the price for card purchases. A cash discount is when a merchant provides a lower cost for cash prices, with the posted prices being cash. Although seemingly similar, there is one major difference, surcharging can only be applied to credit cards and no other forms of payment like debit or gift cards. The cash discount program allows for an increase on any type of payment that is not cash.

Can’t I just do it myself?

The card associations have strict guidelines on how a cash discount program must be implemented.

1) Correct signage must be posted

2) The amount of the added service fee must be displayed on the receipt.

What do I need to do?

To be implemented correctly, you don’t need to change any of your prices. Simple signage needs to be posted to make all customers aware of the 3.90% service charge to customers. Our technology will add the required line item showing the service charge on the customers’ receipt.

Won’t customers dislike the idea of an added fee?

With increasing costs for using an ATM, most customers will see a lower fee paying the small added fee versus the cost of an ATM fee. This combined with the convenience of using a credit card and fewer people carrying cash makes for a great solution to your customers!

What if it isn’t for me after a while?

No problem! We still have you covered! If the program isn’t for you we will gladly change your account to a traditional merchant services account within the first 90 days. With our low and competitive pricing you will still be saving money!

Who Else Is Already Using Zero Fee Credit Card Processing?


Utility Companies Utility companies use the convenience fee surcharge for customers that choose to pay over the phone or online with a credit card. This has reduce their processing fees to almost nothing.	Gas Stations Gas stations have been using a “Cash Discount” program for quite some time which utilizes the same idea as ReversePAY. Gas stations have been charging up to 10 cents per gallon when using credit.	Retail Stores Convenient stores, boutiques, department stores, pharmacies, and many brick & mortar stores can save thousands annually by cutting out their credit card processing expense completely.	Bars & Nightclubs Credit card processing rates are thru the roof for these establishments. By utilizing ZERO FEE CREDIT CARD PROCESSING, bars & nightclubs keep thousands in their pocket.


Auto Dealers & Services Dealerships have avoided accepting credit cards because it puts a dent in profit. Now there’s a solution that does not effect that. Auto shops, Tow Companies, Body shops, Repair Shops all have a chance to save big now.	Healthcare & Wellness Services Healthcare practices are fighting for reimbursements and accepting credit cards hurt revenue even more. Now collect co-pays, DME purchases, and treatment payments without the credit card bill. Also great for Chiropractors, Cosmetic Services, and Wellness Services.	Legal & Professional Services Many attorneys spend time chasing down clients for payments. With ReversePAY you now send invoices online or accept retainers securely without the fees & headache. Accountants, Financial, and Consulting Services can also utilize this.	Property Payments Accept rental payments with our custom Property Management dashboard designed to make accepting rent and deposits easy. Did we mention without the high credit processing fees?

Zero Fee Processing