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Utilizing zero-cost processing

Implementing either cash-discounting or surcharging programs can have huge impacts on your bottom line. The average small business saves almost $10,000/year.

Most merchants have been trained over the years that interchange fees are "unavoidable" - and to a certain extent, that's true. When a credit/debit card is processed, someone is paying those interchange fees. Historically speaking, it was almost always the merchant, as they're the one paying for the "privilege" of accepting the card. However, as the usage of credit cards has increased (as have their costs to merchants) the tide has shifted on who is "responsible" for interchange. It is now much more common to pass these fees along to your customers as opposed to absorbing them into the business.

This isn't abnormal, and Americans have been used to this for quite some time. Think gas stations! When you go to a gas station, you often see two prices - a cash price, and a credit price. No one blinks an eye. We're accustomed to recognizing that we pay a premium for the convenience of utilizing a credit card for this transaction - should we wish to avoid paying that premium, no problem! Just walk in with cash. 

That same principle applies to all other businesses, too. We offer numerous variants of zero-cost processing, but the goal is all the same - get your costs far reduced, by passing them along to your customers. Click here to learn more and see how much you can save!

How much money can you save?

The average small business will save $9,500 annually by switching to the AND zero-cost program. Use our simple comparison tool to see how much you can save you can save with our surcharging and cash discounting programs.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

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