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What is Zero-Cost Processing?

Zero-cost processing refers to passing your credit card processing fees along to your customers. There are several methods, but the ultimate goal is to reduce or eliminate all processing fees.

Accepting credit cards typically carries a 2-4% processing fee, which is paid by the merchant. With zero-cost processing, merchants “pass along” the costs to their consumer, thus avoiding the typical processing fees. Zero-cost processing can utilize several different methods – surchargingcash discounting, or non-cash adjustments. Some merchants can truly offset 100% of their processing fees! Most merchants can expect at least an 80% - 90% reduction in their monthly fees, depending on their circumstances.

Surcharging is now legal in 46 states, while cash-discounting and non-cash adjustments are legal nationwide. These various methods of payment cost reduction have subtle differences and require merchants to follow specific rules. As such, it’s important to work with industry professionals who can learn your needs and craft a solution that matches your business. See how each program differs here.

Small businesses can typically save upwards of $9,500/year in processing fees by utilizing zero-cost processing methods. With new technology, the payment terminal you use will automatically adjust pricing and receipts to ensure that you are fully in compliance and following all state regulations. We provide the signage, we handle all appropriate registration requirements, and guide you through the process, which only takes a day or two.

If your business isn’t ready for zero-cost credit card processing, check out our membership pricing. Pay a simple, flat monthly fee above cost so there are never any big surprises.

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. 

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.

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