Zero Cost Credit™ comes with unbeatable pricing of 0.00% as a discount rate and no transaction fees when credit cards are accepted at the point of sale (whether online or in a retail environment).

If a bank-issued debit card is used, the merchant pays a 1.00% discount rate plus $0.25 cents per transaction. There are no other fees or costs.

Sign up for Zero Cost Credit™ today!

Zero Cost Credit™

The era of paying bank-imposed credit card processing fees is over.
Zero-Cost Credit™ empowers sellers with the ability to accept all major credit cards from without paying fees.

Fees 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 consumer is given a freedom of choice at checkout. They can pay by credit card and absorb the nominal 3.5% fee or pay by 'debit card' to enjoy the no fee option. 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.

How It Works

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 Law

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.

The future of electronic payment processing is here now. No more fees.


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 merchants use Zero Cost Credit and not one single user wants to switch back to traditional payment processing.

Today, you can sign up for Zero Cost Credit and experience the amazing benefits as some of the largest companies in North America.

  • 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.

The perfect alternative to costly traditional credit card processing.  No application fee. Get activated within 24 to 48 hours.

Sign up now.

Test Drive A Demo Checkout Page

Hosted Lightbox Demo In Action

User the test credit card number provided by MasterCard. Use any expiration date at least one year in the future and any 3 digit CVV code. Be sure to enter your real email address so you can see what a receipt looks like.

CardX Lightbox Demo

This is a website using a checkout button integrated into various website pages allowing for a seamless checkout experience.

Need help? Call our award-winning support team 24/7 at (818) 850-1034

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