Why Work With Zero Fee
Zero Fees, Maximum Profits: The Zerofee Advantage
At Zerofee, we're redefining the way businesses handle payment processing and merchant services. As a leading merchant solutions provider, our mission is simple: eliminate all merchant fees and empower businesses to keep more of what they earn. Through our innovative cash discounting merchant service programs, surcharge programs, convenience fee program, or our standard merchant processing, we help merchants of all sizes reduce operating costs and increase profitability without sacrificing customer satisfaction.
We understand the financial pressures businesses face in today’s competitive market. That’s why we offer seamless, compliant solutions that allow merchants to offset payment processing fees by providing customers with transparent pricing options. Our approach not only reduces expenses but also enhances the overall customer experience.
At Zerofee, our success is measured by yours. We are dedicated to delivering personalized support, cutting-edge technology, and scalable solutions that grow with your business. Join the growing number of businesses that have already unlocked the benefits of fee-free payment processing.
Experience the freedom of doing business without fees. Experience Zerofee.
Choose the best option to fit your business and customers
Cash Discounting
Standard Merchant Account
Cash Discounting
Eliminate the invisible tax on your business by signing up for Cash Discounting Merchant Program. Zero Fees Paid by You!
Surcharging
Standard Merchant Account
Cash Discounting
Passing the Fee to Credit Card Users (Does not apply to Debit Cards)
Convenience Fees
Standard Merchant Account
Standard Merchant Account
Applies to all Digital Payments
Standard Merchant Account
Standard Merchant Account
Standard Merchant Account
Traditional Credit Card Processing with the most competitive Fees in the Market
Cash Discounting
How Does Cash Discounting Work?
Cash discounting merchant services is a straightforward and compliant way for businesses to reduce or eliminate credit card processing fees. Here’s how it works:
- Transparent Pricing: A small service fee is applied to all purchases, covering processing costs. However, customers who pay with cash or debit receive an instant discount, avoiding the service fee.
- Seamless Integration: Zerofee provides the necessary equipment and signage to ensure customers are aware of the pricing structure. Our system is designed to make the process smooth and transparent.
- Legal Compliance: Our program fully complies with state and federal regulations, ensuring that your business operates within legal guidelines while benefiting from significant savings.
- Increased Profit Margins: By offsetting processing fees, your business keeps more revenue without raising prices across the board. This allows you to reinvest in growth and improve your bottom line
Cash discounting empowers your business to reduce costs while giving customers the choice of how they want to pay. It’s a win-win solution that enhances transparency and profitability.
Surcharging
How Do Surcharging Programs Work
Surcharging allows a business to pass the credit card processing fee onto the patient instead of absorbing it. The key points of surcharging include:
- Only Applies to Credit Cards: Surcharges cannot be applied to debit card transactions—only credit card payments.
- Percentage-Based Fee: The surcharge is typically a fixed percentage (e.g., up to 3%) added to the total bill when a patient pays with a credit card.
- Regulatory Compliance Required: Surcharging is legal in most states but requires proper disclosures, signage, and adherence to card network rules (Visa, Mastercard, etc.)
- Transparent to Patients: Patients see the surcharge on their receipt and have the option to use another payment method (cash, check, or debit card) to avoid the fee.
- No Additional Cost to Your Practice: Since the fee is passed to the patient, your dental office avoids paying credit card processing costs for those transactions.
Example Scenario:
A patient’s treatment bill is $500. If they pay with a credit card and your surcharge is 3%, they will be charged $515. The extra $15 covers the processing fee, so your office still receives the full $500.
Convenience Fees
How Do Convenience Fee Programs Work?
(Applies to All Digital Payments)
A convenience fee is a fixed fee charged to patients for using any non-cash payment method, including credit and debit cards.
- Applies to Both Credit and Debit Transactions: Unlike surcharging, convenience fees can be applied to all electronic transactions, including debit cards.
- Flat-Fee or Percentage-Based: This can be structured as a small fixed amount (e.g., $3 per transaction) or a percentage (e.g., 3% of the bill).
- Must Be Disclosed Upfront: Patients need to be informed of the fee before making a payment.
- Common for Online or Alternative Payments: Often used for online payments, phone payments, or third-party financing.
Example Scenario:
A patient’s bill is $500. If your office applies a 3% convenience fee, the patient will pay $515, regardless of whether they use a debit or credit card.
Standard Merchant Services
Standard Merchant Services
This is the traditional credit card processing setup where your office absorbs the processing fees. You’ll benefit from:
- A smooth and familiar payment experience for patients
- The most competitive processing rates in the market
- Next-day funding for improved cash flow