Eliminate up to 100% of your Credit Card Processing Fees!

 NO Annual Fee
 NO Statement Fee
 NO Authorization Fee
 NO Transaction Fee
 NO Processing Fee
 NO Online Access Fee


We design & develop quality products to help small to large level businesses.

Our solutions work just like any other credit card processing service, the difference is that you, the merchant, get the full transaction for every sale and at the end of the month there are NO monthly processing fees anymore. It is as simple as that: “all you will have is a small monthly program fee!”

A small 3.99% service fee is added to every transaction, which is paid directly by the customer. When a customer pays with a card, they will see a line showing the 3.99% service fee and the item purchase price.

Here's an example, if your customer buys a $10 item the receipt will show $10 for the item & $0.39 cents for service fee, showing a total of $10.39 plus any applicable state & local taxes. Your processing fees are offset by the service fees charged to the customer.

As the merchant, you don’t have to do a thing, and you don’t have to change any pricing on your products or services!

The amount of all sales minus the service fee is deposited into your bank account as early as the next day
  • Increase your bottom line Net profits $$$
  • Encourage Cash transactions
  • All necessary equipment is available
  • PCI/EMV compliant
Your processing fees are offset against the service fees paid by the customer
  • Continue to accept all forms of Credit and Debit Cards
  • Merchant benefits from huge savings!
  • Helps keep your prices low
  • Cash customers receive a 3.99% discount
NO Gimmicks, NO Catches, NO Hidden Fees Ever,
NO Bait & Switch Tactics
  • NO Monthly processing fees
  • NO Statement Fee
  • NO Authorization Fee
  • NO Transaction Fees
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Zero Fee Program - FAQs

For further questions give us a call @ (800)359-0710.
We will be glad to answer any other questions you may have.

Click on the plus + signs to expand and view the answers

A: The Zero Fee Program is a way for you as a merchant to offset some, or all, of your current merchant service fees without increasing your overall rates. It is a method of implementing a service fee to all customers, while giving a discount to those who pay with cash. Therefore, your posted rates now become the rate for those who pay with cash. Those customers who pay with cash avoid the services fee and all others will see a line item added to their receipt. It is our proprietary technology that allows this to happen and keeps you within the guidelines of Visa, MasterCard, and processor regulations.
A: As Mitchell Katz, spokesman for the Federal Trade Commission, said in May of 2011: The Dodd-Frank law prohibits a payment card network such as Visa “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards,” said Katz. “Neither surcharging, nor a zero fee program is illegal.”
A: No, in fact it’s been around for decades in Europe and is used across the US in gas stations where a zero fee program is offered at the pump. Gas stations have been using this program in the US for over 15 years. Many national, state, and local governments including the DMV, Secretary of State, Post Offices, Schools, Courts, and the IRS implement a Service Fee.
A: In order to correctly implement a Zero Fee program, you don’t need to change any of your prices – you simply post signage (that we will provide) that states that all transactions now carry a 3.99% customer service charge. The proprietary technology is provided in conjunction with our hardware and processing partners.

However, any consumer who pays with cash, will have this fee waived. Your posted prices are your cash prices. Consumers who pay with a method other than cash will see a 3.99% Zero Fee Program fee listed on their receipt at the register. The additional 3.99% service charge is programmed into your terminal, hence there are no additional steps for you.
A: Until recently, Visa and MasterCard regulations made it clear merchants could not charge more to a consumer who used a credit card over other methods of payment. As a result of a 2013 consumer who used a credit card over other methods of payment. As a result of a 2013 lawsuit against the card networks, merchants are now allowed to impose a surcharge in all but 10 states and Puerto Rico. We’ll address the surcharge in the next question below.
However, there has always been a stipulation in the Visa and MasterCard regulations that allow for a discount when paying with cash.
While this may seem like an issue of semantics, it’s simply adhering to the wording of the Visa and MasterCard regulations that allow the Zero Fee Program to be implemented.
Here’s the verbiage specific to both Visa and MasterCard Rules and Regulations: From MasterCard Rules 15 November 2016

5.11.2 Charges to Cardholders
  • A Merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any Merchant discount or any contemporaneous finance charge in connection with a Transaction.
  • A Merchant may provide a discount to its customers for cash payments.
  • A Merchant is permitted to charge a fee (such as a bona fide commission, postage, expedited service or convenience fees, and the like) if the fee is imposed on all like transactions regardless of the form of payment used, or as the Corporation has expressly permitted in writing.
From Visa Core Rules and Visa Product and Service Rules – 22 April 2017 Discount Offer – US Region and US Territories in the US Region and a US Territory, a Merchant may request or encourage a Cardholder to use a means of payment other than a Visa Card or a Visa Card of a different product type (e.g., Visa Classic Card, Visa Traditional Rewards Card, Visa Signature Card) than the Visa Card the consumer initially presents. Except where prohibited by applicable laws or regulations, the Merchant may do so by methods that include, but are not limited to:
  • Offering the consumer an immediate discount from the Merchant’s list, stated, or standard price, a rebate, a free or discounted product or service, or any other incentive or benefit if the consumer, who initially presents a Visa Card, uses instead another general purpose payment card or another means of payment
  • Communicating to consumers the reasonably estimated or actual costs incurred by the Merchant when a consumer uses a particular general purpose payment card or means of payment or the relative costs of using different general purpose payment cards or means of payment
Remember, your stated price now carries a 3.99% Service Fee, so when you someone pays with cash, they are receiving a discount off of your stated price, not an increase when they pay with credit or other means of payment.
A: No, the Zero Fee program, while seemingly similar, is actually very different, particularly in the eyes of Visa and MasterCard. As mentioned in the preceding Q&A, the 2013 ruling against the card networks resulted in merchants now being able to implement a surcharge. The surcharge is allowed in all but 10 states (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas, plus the U.S. territory of Puerto Rico).
Those states claim that a surcharge is not fair to consumers. We find it somewhat laughable that it’s not fair for consumers to pay for the cost merchants incur to provide goods and services while it’s been perfectly OK for merchants to pay for the rewards programs associated with the credit cards that consumers use.
You do realize that right? Every time you see an ad on TV, in print, or hear on the radio that talks up the benefits and rewards associated with a particular credit card, those benefits come in the form of higher Interchange rates that merchants pay to be able to accept those cards. The increase in fees is not borne by the card issuing banks or credit card processors – it’s paid for by you the merchant!
The Surcharge carries with it several stipulations:
  • Only credit cards may be surcharged – no debit cards
  • Signage must be posted for at least 30 days prior to implementing a surcharge alerting your clientele
  • There is a 4% maximum that can be imposed
  • Surcharging is only allowed in states where the program has not been excluded
With the Zero Fee program, these limitations are not in place, as you are not implementing an additional fee for accepting a credit card, you are providing a discount for those who pay with cash. This is a clear distinction, and one that Visa, MasterCard, and the courts have agreed upon:
With our Zero Fee program, all prices in your store carry a 3.99% Service Charge. The posted prices are your cash price. Those who pay with cash do not have to pay this fee. This is not a situation where those who pay with a credit card pay more.
As Mitchell Katz, spokesman for the Federal Trade Commission, said in May of 2011: The Dodd-Frank law prohibits a payment card network such as Visa “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards,” said Katz. “Neither surcharging, nor a cash discount is illegal.”
Is this a semantics argument? We’ll let you decide, but most importantly, Visa, MasterCard, and the courts allow for this distinction.
A: When a fee is incorrectly applied to a transaction, any additional fee charged to those consumers using a credit card is labeled a Surcharge and that is expressly forbidden by Visa, MasterCard, and the processing provider without taking very specific steps (see previous question)
The way around this process is to allow us to automate a Zero Fee Program for you which is different than the Surcharge. In the Zero Fee Program you post signage stating that all consumers will now be paying a 3.99% Service Fee, however, for those paying with cash, the fee will be waived. We will automate your equipment so that this fee is automatically added for those customers using any method of payment other than cash (essentially credit cards). While this may sound very similar to the Surcharge Program, it is distinctly different in that everyone is paying an increased fee, but those who pay with cash receive a discount, whereas with the Surcharge program, you are specifically stating that those paying with credit cards will pay more. Most importantly it is aligned with the rules of Visa and MasterCard.
Additionally, you are forbidden by Visa, MasterCard, and the Processor’s rules to profit on a credit card transaction, which could happen if you accidentally charged more than you were being charged by the processor. By utilizing the Zero Fee program, we establish proper pricing for you to ensure you stay within all stated guidelines.
A: While nobody wants to pay additional fees, more and more consumers are starting to realize just how expensive it’s been for merchants to accept credit cards. By charging a 3.99% fee on a sales transaction, that’s a small price for customers to pay for the goods and services you provide. And (if paying that fee or Implementing the Zero Fee Program) allows you to stay in business and keep your overall costs lower, it’s a small price to pay.
In fact, surveys have shown that over 80% of respondents stated they wouldn’t think twice about paying that amount (only $1.00 on a $25.00 transaction) for the convenience of using their credit card rather than carrying cash. And we all know that fewer and fewer of us are carrying cash these days…and everyone loves the rewards associated with their credit cards.
Additionally, we’ve all become accustomed to paying $2-4 when we use an ATM and this Zero Fee Program fee is actually cheaper than the ATM fee for most transactions.
If you explain that the Zero Fee program is a way for you to keep providing quality goods and services without increasing your overall prices, most consumers have indicated they understand and are fine with it. And again, a 3.99% fee on an individual transaction generally has a very small impact to the consumer, but for you, the merchant, your savings are significant.
A: If for any reason you wish to discontinue the Zero Fee Program, we will immediately change you back to traditional Interchange Pricing. You will still save a lot of money on your credit card fees by utilizing our low rate program, which still saves business owners considerably more than their previous processor was charging.
A: We have been in the financial industry for over 30 years and have always been an advocate acting in the best interest of our merchants, saving our clients millions of dollars each year. The Zero Fee Program offering creates a path to save our clients even more money each month. With the addition of this program, we have multiple options for our clients to choose from – you choose the savings plan that best suits your business. Ask us about Hybrid options if you’d like to cover some of the costs while charging your clients some but not all of the fees.
A: Terminal leases often have incredibly high rates relative to the underlying piece of equipment you are “renting.” For instance, it’s not uncommon to see a lease on a desktop terminal for $79 per month for 5 years. The retail price of the hardware is often only $300-400 and the cost of that terminal will be $4740 by the time it’s all paid off!
When you know the truth it’s nauseating to make that $79 payment, but if we can save you $300 or maybe even $3000 per month in processing fees, it becomes much easier to stomach. Likely better to continue making the payment and set a calendar event to cancel as soon as possible.
A: Similar to the previous FAQ on terminal leasing, sometimes cancellation fees can be insultingly high (side note: we never have a cancellation fee!). But often you can wait a month after switching before the fee catches up with you, and by then you will have saved significantly on the new program. In the long run, you will be far better off to switch and start saving as soon as possible.
A: Most merchants will see some small fees on their bill as it’s hard to get every transaction to zero out completely based on all the variances in the Interchange billing structure. That said, we typically see the monthly fees drop down below $100 per month, even if previously the fees had been several hundred or even several thousand dollars!
Keep in mind that if you want to receive a statement where the net dollar amount in fees is as close to zero as possible, we will set you up with a daily discount billing plan. That means on a $25 transaction, you collect 3.99% for a total sale amount of $26. You will receive $25 in your account the following day and the 3.99% fee will have been subtracted out. At the end of the month, you’ll have the net cost of your goods and services in your bank account with minimal processing fees.
If on the other hand, you want to see the total amount of the transaction ($26 in the example above that is inclusive of the 3.99% service fee), then you’ll see a monthly statement that shows your total sales amount and you’ll be billed for the 3.99% at the end of the month. If you had 1000 $25 transactions plus a 3.99% service fee, you’d see $25,000 in sales, plus $1,000 in fees for $26,000 total. You would then be billed for the $1,000 at the end of the month.
The net result is the same because you are eliminating your processing costs through the implementation of a 3.99% fee. It all comes down to how you like to do your accounting – daily with all fees being subtracted out, or as a lump sum subtraction at the end of the month where you’ve put more money in your checking account to offset the end of month fees. The choice is yours.
A: On a case by case basis, we will work with you to implement a hybrid solution where you charge a Service Fee of anywhere between 1-4% to your consumer and you.
A: Yes, while we are currently operating under Visa and MasterCard guidelines, there is nothing preventing them from making changes to their own regulations at some point in the future. The program has been in use in the US for the past 4 years with no indications that either Visa or MasterCard will make changes to prevent it, but it is always a possibility.
If the program were to be disallowed, we would simply switch you to our low cost, Interchange Plus program where you’d pay some of the lowest rates possible within the normal card processing framework.

Credit Card Processing Services

We design & deliver quality products to help small to large level businesses.

Card Payment Solutions is a leading provider of credit card processing, merchant accounts, and shopping carts for small and medium sized merchants located across the United States. Our payment processing services enable merchants to process both traditional card-present, or “swipe” transactions, as well as “card-not-present” transactions. Our management’s experience and cumulative knowledge in providing payment processing services to merchants give us the ability to effectively identify, evaluate and manage the payment processing needs and risks that are unique to small business.

Card Present

Whether you have a retail storefront, restaurant, hotel, service business or a mobile sales setup, your customers expect you to accept credit cards. Card Payment Solutions will provide you with all of the tools necessary to process credit card with our “card-present” packages. We can help you easily set up a merchant account to take credit cards and provide you with the best card machine for your situation. The entire process will take just minutes of your time and you’ll be up and running in a matter of days.

There’s more to accepting credit cards than just giving customers another way to pay. Card Payment Solutions will help you understand how card processing works and will ensure that you have the perfect solution for your business. Our application process makes it easy to apply. You can submit an application online, by fax, or by meeting with a sales representative at your business location. Your application will be approved almost immediately, your account will be activated, and if you’re buying or leasing new terminal equipment, it will arrive in just days.

Card Not Present

The fastest-growing segment of credit card use today is in “card-not-present” transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant’s location.

If you want to process credit cards for Internet, telephone, or mail order transactions, you’ll need a special merchant account specifically designed for that purpose. Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa and MasterCard use different criteria for evaluating risk and have different fee structures for card-not-present transactions.


Card Payment Services can work with virtually any type of point-of-sale (POS) terminal equipment or software in use today.

If you already have a credit card authorization terminal, cash register, or other POS device, we can simply reprogram it to work with your new Card Payment Solutions merchant account, absolutely Free!

Check Services

The most popular type of non-cash payment in the United States remains the paper check. Protection against check fraud and its associated losses becomes paramount to businesses’ financial vitality. We offer solutions that provide thoroughness, speed, and reliability, making it easy for merchants to accept checks with confidence.



We take no shortcuts in providing reliable and durable products that can endure heavy usage under tough environments.
Epson TM20II

Durable Thermo Printer


Star SP700

Tough Kitchen Printer


Star DS9208

Corded USB Scanner


Star DS2278

Wireless Scanner



Reliable EMV Pin Pad





Clover Station

Printer & Cash Dawer


Clover Mini

Smaller foot print


Complete POS

Easy to use


Complete POS

Easy to use


We have thousands of happy customers. See what they're saying abo.

About US

We provide innovative and cost effective Merchant Processing and E-Commerce Solutions to help small & medium level business.
Proving Amazing Solutions with Passion since 2002.

Card Payment Services combines unmatched customer service with cutting edge technology to help make your business successful.
Our award winning commitment to superior customer service begins the moment that you contact us. One of our experienced sales representatives will begin by examining your business needs to provide you with the right service that helps you maximize profits. There are no hidden fees and no escalating rates. After you have signed up, your personalized account representative will be there to guide you every step of the way.
We’re dedicated to providing you with the most advanced technology—technology you can’t get anywhere else. We’ve teamed with the industry’s leading developers to create Card Payment Services for all Android and Apple devices—the app that enables you to process credit cards directly from smart phones. We also offer a full selection of PCI Compliant terminals from top manufacturers.
At Card Payment Services, your business fuels our business, regardless of your size. We’re proud to say that we have helped thousands of businesses (small, medium, and large) process credit cards nationwide. Our clients range from Fortune 1000 companies to start ups. Regardless of the size and scope of their operation, each of our clients receives the same high end customer service from one of our highly trained account representatives. Our ability to provide solutions to businesses of all sizes is just one of the many reasons why Card Payment Services is one of the fastest growing American companies.

  • Merchant Accounts

    Our NO COST to Merchant Solution is the last Credit Card processing you will ever search for.

  • Credit Card Machines

    We have many secure options to choose from: EMV approved, Mobile & table side machines are available.

  • E-Commerce

    We can create a customized Web Commerce site for your business. Attractive & efficient for taking orders.


    We provide full ATM maintenance & refill services.

  • POS Systems

    We provide POS solutions adaptable to many industries.

Our Team

Check our awesome highly committed team members who always work hard to provide quality products & services.


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