A New Leader In Payment Processing Has Arrived

1 %
Credit Card Rate + Transaction Fee

With Zero Cost Credit™ the merchant is charged 0.00% when customers pay by credit card. Business owners are forever liberated from the burden of paying credit card processing fees as those costs are passed on to the cardholder.

1 %
Debit Card Rate + $0.25 cents per transaction

When customers choose to pay by debit card, the cardholder pays nothing, keeping your business compliant with card brand regulations. You, the  merchant pay only 1% + $0.25 cents per transaction.


Zero Cost Credit™ has completely revolutionized the payment processing industry. Zero Cost Credit is a merchant account that serves business, government, and education sectors.

We bring to market a zero fee (surcharge) pricing model as a way for merchants and institutions to virtually eliminate all fees and costs traditionally associated with payment processing. Merchants keep 100% of all revenue generated when customers pay by credit card. 

When a buyer pays by debit card the merchant pays 1.00% plus a $0.25 cents per transaction .

Sign up for Zero Cost Credit™ today!

The New Revolutionary CardX Platform

The future of electronic payment processing is here now.


Zero Cost Credit™ works by passing along the credit card transaction fee to the cardholder at the point-of-sale.

An interesting fact not known to the general public is that major grocery store chains all over America, public utility companies, cell phone carriers, college universities, and government municipalities have been passing on their bank-imposed credit card processing fees to the cardholder for many years. The fees are so insignificant and small that consumers never give it a second thought.

Over 22,000 satisfied merchants use Zero Cost Credit™. There’s not been one instance where  wants to switch back to paying credit card  processing fees.


  • No sign up fee.
  • No long-term contract required. 
  • The merchant keeps 100% of every credit card sale.
  • How do you benefit? If you sell $355.10 in product, exactly $355.10 is deposited into your bank account.

No application fee. Get activated within 24 to 48 hours.


WHAT IS Zero Cost Credit™?

Zero-Cost Credit™ is essentially, a merchant account that has no fees or cost to the seller when credit cards are presented as a form of payment.
The era of paying bank-imposed credit card processing fees is over. It's a thing of the past.

Fees ARE passed to the cardholder

Until the arrival of Zero Cost Credit, only large grocery store chains, public utility companies, cell phone carriers, college universities, and government municipalities were allowed to pass along credit card transaction fees to the cardholder.

Today, the merchant is given a freedom of choice. The merchant can legally pass along the 3.5% processing fee when a credit card is used at the point-of-sale. It's that simple.

- The seller keeps 100% of every credit card sale. For example; if a $259.10 sale is made, exactly $259.10 is deposited in the seller's bank account.

- The process is 100% compliant with all credit card brand surcharging rules.


Yes! Sell from any environment --- inside of a retail store (even multi-location chains), an eCommerce website, a mobile device, tablet, send out an electronic invoices, or use your computer as a Virtual Terminal.

New Supreme Court RULING Made Zero Cost Credit a Reality

In January of 2013, a historic Supreme Court case ruling granted to merchants a freedom of choice. The seller can pass on the transaction fees associated with purchase to the cardholder at the point-of-sale.

- No application fee
- No monthly recurring fee
- No annual fee
- No PCI compliance fees
- No address verification fees
- No hidden fees

Service is available in 48 US states with availability in more states under additional terms of use.

Zero Cost Credit© is the perfect alternative to costly services such as Paypal, Square®, Stripe, Intuit, and others.

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