1550 Larimer Street

Denver, Colorado 80202
Email: [email protected]

Phone: 8 am to 6 pm: Mountain Time

Sales: (424) 209-2890
Support (818) 850-1034

The New Leader In Payment Processing Has Arrived

1 %
Processing Rate When Customers Pay By Credit Card

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 %
Plus $0.25 cents per transaction when customers pay by bank-issued ATM debit card

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.

  • No Application Fee
  • No Monthly Recurring Fees
  • No PCI Compliance Fee
  • No Long Term Contract Obligation
  • No Expensive Equipment to Lease
  • Zero Cost Credit™ is the game-changer in the electronic payment processing industry.

    Merchants keep 100% of all revenue generated when customers pay by credit card. Not a single penny is paid out in credit card processing fees. 

    When a customer pays by debit card the cost to the merchant is 1.0% + $0.25 cents per transaction.

    Zero Cost Credit™ is perfect for entrepreneurs (sole proprietorships) and businesses of all sizes including retail stores, hotels and motels, the automobile industry, financial services, law firms, government, and education sectors. *High-risk industry not accepted.

    Sign up for Zero Cost Credit™ today!

    The Future of Electronic Payment Processing is Here.


    Zero Cost Credit™ empowers businesses with the ability to accept both credit and debit card transactions through an eCommerce website store, over the phone, in a face-to-face retail environment, or on a mobile device. 

    All of this is accomplished using patent-pending technology developed by CardX™ Corporation.

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    • If you make a $395.20 sale—exactly $395.20 settles into your bank account.
    • Sellers pay 0.00% when customers pay by credit card.
    • When customers pay by debit card the seller pays 1.0% + $0.25¢ per transaction.


    How It Works

    Our proprietary software and point-of-sale terminal automatically passes along credit card processing fees to the cardholder. At the click of a button, a customer can choose ‘debit’ as a no fee option. To comply with the rules, our payment gateway software automatically detects when a debit card is entered and applies no fee. You pay only the low cost of debit card acceptance.

    Finally, merchants and customers have a “win-win” scenario at checkout.

    The practice of passing along credit card transaction fees to the cardholder is what major grocery store chains, public utility companies, cell phone carriers, college universities, and government municipalities have been doing for many decades. It’s quickly gaining acceptance all over America.

    We’ve made the front page of mainstream media.

    No Application Fee. Get Approved within 24 to 48 hours.


    BONUS: You receive the most powerful, feature-rich Virtual Terminal in the industry.

    The New Revolutionary CardX Platform

    Test Drive A Demo Checkout Page