Zero-Cost Processing (ZCP) is a service designed to reduce the cost of credit card acceptance to zero-net-cost by adding a surcharge paid by the consumer. New rules that became effective January 27, 2013 allow merchants to impose a fee for the use of credit cards. This is a fully compliant solution to take advantage of the new regulations which allow merchants to pass along credit card processing fees to consumers. Merchants are not permitted to impose a fee for the use of debit cards. Our patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card before the transaction is processed.

ZCP automatically applies a fee whenever a credit card is swiped or entered so that the merchant gets back most, if not all, of its processing costs. Our team takes all the necessary steps to set up a merchant’s account with the right parameters ensuring the merchant is in compliance from the very first swipe. With ZCP the merchant keeps 100% of the savings. ZCP is available in the following states...

Alabama Alaska Arizona Arkansas California Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kentucky Louisiana Maryland Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming