Zero-Cost Credit Card Processing

Save thousands with our Zero-Cost program! Our no-fee processing solution lets users keep more of their earnings to grow their business. XPAY provides:

Card terminal to surcharge

Lowest card processing fees

Minimal paperwork

Monthly contracts

Quick approvals

24-hour support

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Since card processing is the most popular payment method for US businesses, finding an affordable payment processing platform is crucial. Most payment providers charge processing fees, but businesses can offset payment processing costs with zero-cost credit card processing.

What IsZero-Fee Card Processing?

Zero-cost processing doesn't charge the business for all POS transactions. Many small businesses choose zero-fee credit card processors because processing fees can cut into their profits. Credit card transactions incur interchange, monthly, and chargeback fees, but zero-fee programs surcharge cardholders to cover these costs. Credit cards will incur a surcharge, but cash will be accepted at the original price. Merchants can also offer cash discounts to customers who pay with cash instead of a card. These two zero-cost processing methods sound similar, but there are key differences. Surcharge or cash discount programs may eliminate debit card payment fees. Cash discounts eliminate debit payment processing fees, but surcharges do not.

NoFee Credit Card Processing Benefits

Reduce credit card processing fees

Customers pay your processing fees with zero-cost credit card processing, lowering your costs.

Get Original Product and Service Prices

Your business faces a mix of fees and costs when it pays merchant account expenses. This can make pricing your goods and services difficult. This program ensures you always know the price of a product or service.

Encourage Cash Payments from Customers

To reduce credit card fees, charge prices that make customers think twice about paying with cards.

Offsetting Fees with Zero-Cost Processing

Zero-cost credit card processing automatically surcharges transactions. Most US states limit transaction surcharges to 4%. If a customer buys a $10 drink, the merchant will add $0.40, making the total $10.40. Credit card terminals automatically add this surcharge to the final amount. Debit card transactions cannot be surcharged and have the lowest interchange fees.

Other surcharging methods are manual, which can slow payments and impact staff operations.

Considerations Before Charging Credit Card Fees

Remember these drawbacks when considering a Zero-Fee program.

First, paying more for credit cards may upset customers. Passing on card fees to customers can be a competitive disadvantage since most US businesses accept credit cards. In a competitive niche, passing on fees may drive customers away. People depend on credit card rewards.

Second, each state regulates credit card surcharging, zero-fee transactions, and other fees. Therefore, you must know your state's laws before proceeding.

States and territories with credit card transaction fee restrictions include:

California

Colorado

Connecticut

Florida

Maine

Massachusetts

New York

Texas

Zero-Fee Credit Card Processing Laws

Zero-cost processing is difficult because of the laws that govern it. Texas bans this type of program. Most states allow various forms of surcharging if regulations are followed.

If your state bans surcharging, you can still get zero-cost credit card processing by offering a cash discount program. Learn about your state's processing laws online and stay current. A merchant account provider can help you comply with local laws.

Businesses We Accept for Zero-Fee Credit Card Processing

We support all businesses at XPAY. We offer credit card processing and other payment acceptance services to many industries.

We accept high-risk merchants, unlike many zero-fee credit card processors. This makes us a good choice if your company's industry prevents you from using other merchant account providers.

Zero-Fee Credit Card Processing FAQs

We get many questions about no-fee credit card processing. Let's examine some common questions and answers:

Does my business qualify for zero-fee processing?

Most credit card-accepting businesses qualify for zero-fee processing. XPAY wants to work with any business, regardless of size, risk, or processing history.

What distinguishes cash discount programs from surcharging?

Customers pay with cash and receive a discount. Using cash reduces the original price. Credit card surcharging raises the original price. Different states have strict cash discount rules, so check.

Can I charge customers for processing?

But remember that customers may be upset. Your customers may buy from competitors if they don't pass on credit card fees.

How do I follow surcharging laws?

State surcharging laws vary; some ban it. Research your state's surcharging laws. By following local regulations, you can surcharge legally and avoid issues.

Zero-Fee Small Business Credit Card Processing

Custom payment solutions are available to our clients, and we have payment expertise across many industries. Together, we can improve your business's payment solutions!

Start With Us Today

This is the perfect time to contact our team if your business wants zero-fee credit card processing.

Why Merchants Choose XPAY For Zero-Fee Processing

At XPAY, we keep credit card processing affordable for our clients. We understand some industries have high processing fees and offer competitive pricing to all our clients as a merchant services provider that supports almost every business type. XPAY excels in solutions and support.