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Zero Cost
Credit Card Processing

Let your customers cover the payment processing fee so you keep what you charge. Process credit cards at zero cost for $50 monthly.


How zero cost works

You charge $100 to your customer. Your terminal automatically adds 3.99% to the cost of the sale, so your customer pays $103.99 in total. In the background, AND does the work - we keep the $3.99 to cover processing fees, and you keep the entire $100. Your terminal reports like normal, you get normal deposits, everything else stays the same. You just don't pay the processing fees! Receipts show the adjustment, so there's no customer confusion.


Let AND guide you through the details of surcharging and cash-discounts. Check out our Zero Cost Processing FAQs to see examples, side-by-side charts explaining program differences, and more. Our goal is to ensure our merchants are knowledgeable about all options.

Unlimited Processing for just $50 per month.

Yup, you read that correctly. It doesn't matter if you process $5,000 or $200,000 in a month, or more. 

You only pay $50 for our Zero-Cost Plan. That's it.


What's included with Zero-Cost Processing?

We make this easy. AND accounts give you access to the tools you need, and the lowest rates out there:

          Unlimited credit card processing for $50/month

          Next-day Funding availability with an 11pm cutoff

          Virtual terminal with email invoicing

          Smart terminal access with No PCI scans!

          Online reporting and mobile processing

How much money can you save?

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

How much can you save?

Smart Terminals

Our smart-terminals arrive pre-programmed with zero-cost processing software, so you don't have to do anything special - just plug it in and take payments! Receipts are pre-configured for zero-cost, clearly indicating any surcharges or cash-discounts. Smart terminals start at just $249, and include No quarterly PCI scans! Smart terminals accept all payment types such as EMV/chip cards, NFC/contactless payments, and standard swipe-transactions. Smart terminals can also handle  inventory items and report your sales in an online portal. You don't have to invest in a full Point-of-Sale to get the latest features!

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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