Process Payments. Truly Pay Zero.
Accept every card. Pay $0 in processing fees.
Our cash discount program lets your business keep up to 100% of every sale. You sell for $20, you get $20 — whether your customer pays with cash or card.
Savings calculator
How much could you keep?
Enter what you pay your current processor each month. With Pay Zero Now, those fees go back to your bottom line.
Not sure? Look for "total fees" on your last processing statement, or send it to us for a free review.
How it works
Gas stations have done this for years. Now you can too.
Dual pricing is simple for you and clear for your customers.
Show two prices
Display a cash price and a card price at checkout so customers see both before they pay.
Customers choose
Cash customers get the lower price. Card customers pay the posted card price, which covers the cost of processing.
You keep it all
Sell for $20, get $20. Your full sale is deposited the next business day — with no processing fees taken out.
What's included
Everything you need. Nothing you pay for.
No monthly fees, no annual fees, no equipment cost — even if you rarely take cards.
No processing fees
No percentage, no per-transaction fees on card sales.
No monthly or annual fees
Use it every day or once a month. Either way, you pay zero.
Free standard terminal
A countertop credit card terminal at no cost to you.
Free POS for qualified merchants
Full point-of-sale systems for restaurants and retail.
Next-business-day funding
Your money in your account, fast.
Online cash discount
Dual pricing for your website and online payments.
No hidden fees
What you see is what you pay: zero.
24/7 support
Real help whenever your business is open.
Compliance
Cash discount, done the right way.
Not all fee programs are equal. Our dual pricing program follows card brand rules and is available in all 50 states, so you can switch with confidence.
| Feature | Dual pricing Pay Zero Now | Surcharging |
|---|---|---|
| How customers see it | Two clear prices, shown up front | A fee added at checkout |
| Debit cards | Covered | Can't be surcharged |
| State limits | Available in all 50 states | Restricted in some states |
| Feels like | A discount for paying cash | A penalty for using a card |
Who we serve
If you take cards, you can pay zero.
Pay Zero Now merchants save across dozens of industries — and many more.
FAQ
Questions merchants ask us
Is a cash discount program legal?+
Yes. Dual pricing is allowed in all 50 states when both prices are clearly displayed. We set up your terminal to display both prices correctly.
How much more do card customers pay?+
The card price is set 4% above your cash price. On a $20.00 sale, the card price is $20.80 — and you receive the full $20.00.
Are there really no monthly or annual fees?+
Correct. There are no monthly fees, no annual fees, and no cost for a standard credit card terminal. If you don't process a single card, you still pay zero.
When do I get my money?+
Deposits arrive the next business day.
Can I keep my current POS system?+
In many cases, yes. Tell us what you use today and we'll confirm compatibility — and qualified merchants can get a free POS system.
Do you support online payments?+
Yes. Our online cash discount program brings dual pricing to your website and invoices.
How do I sign up?+
Start the online application on our Sign Up Now page, or call 844-PAY-0-NOW and a specialist will walk you through it.
Free savings review
See exactly what you'll save.
Tell us about your business and a merchant specialist will reach out with your personal savings review. Ready to go now? Start your application in minutes.