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Zero Cost Credit Card Processing

Reduce Business Expenses with Zero Cost Credit Card Processing

The number of card users has been consistently increasing over the years, yet for merchants, the processing and service fees that come with every transaction is still out of their control.

A zero cost credit card processing program allows merchants to offset some service fees without increasing their overall prices. Instead of paying for merchant processing, all credit card processing fees are passed onto the customer. This means customers gain a discount when paying with cash.

Additionally,  it is better to use the program so that the customer will pay less than the original price.

Of course, you can still pay the actual price for customers who are using cards. One of the best things about using it is reducing card processing fees.

a POS terminal inside the supermarket that can be used to check out the price of the items

With zero cost credit card processing, you can avoid paying for card services. Though using cash and a card may sound the same, they are different. That is if you base it on laws and card rules. There is a possibility that you will get fined or your account will be banned.

Free Credit Card Processing With No Monthly Fee

Free Credit Card Processing With No Monthly Fee ​
Credit Card Processing With No Monthly Fee ​

Collect 100% Of Your Sales Profits Every Month and Eliminate Those Hidden Fees.

Join the Best Cash Discount Program Today!

giving credit card florist with paying terminal

Advantages of Zero Fee Credit Card Processing

Zero fee credit card processing is a payment processing solution that allows merchants to eliminate the cost of credit card processing fees, which can be a significant expense for many businesses. Here are some advantages of zero cost credit card processing:

Cost Savings: By eliminating processing fees, merchants can save a significant amount of money on each transaction, which can add up to substantial cost savings over time.

Increased Revenue: Zero fee credit card processing can also lead to increased revenue, as businesses can offer lower prices to customers who pay with credit cards, making their products or services more attractive.

Simplified Pricing: With zero cost credit card processing, merchants can enjoy a simplified pricing structure, which makes it easier to understand and manage their payment processing costs.

Better Cash Flow: Because merchants are not paying processing fees, they can enjoy improved cash flow, which can help them to reinvest in their business and grow more quickly.

Overall, zero fee credit card processing can be a game-changer for businesses of all sizes, offering significant cost savings and improved cash flow, while also making it easier to manage payment processing costs.

Want to acquire cash discount program merchant services? A the same time, still on the fence about committing to it? Let these reasons further convince you:

The average fees often shouldered by merchants is found to be somewhere near 2% of each purchase made. For others, they might be required to pay a separate monthly fee to cover the costs of card readers! 

A zero cost credit card processing resolves this typical problem of merchants by reducing or at best eliminating the fees. These are associated with every credit or debit card processing of sales transactions. 

At the same time, these fees are often the ones that cut into their profit margins which might be a bigger handicap, especially for small and medium-sized merchants.

Through effective cash discount program merchant services, merchants will offer their customers two different prices. One for credit cards and another for customers paying cash. Of course, customers choosing to pay with cash will pay a lower price. 

Hence, the “cash discount”. Customers that choose to pay with their cards. However, will pay a slightly higher price to cover the costs of the processing fees effectively shifting the burden of the fees to the customers.

Merchants often encounter common trouble when a dispute is raised over a transaction. This usually happens with credit card-paying customers. 

As such, merchants get the shorter end of the stick aside from shouldering the processing fees. They don’t get paid for purchases until the investigation is completed. Implementing  zero cost credit card processing reduces the frequency of card payments, resulting in fewer chargebacks among customers.

Everybody loves a discount! Regardless of a person’s income, everyone wants a bargain for big splurges or everyday necessities. 

It is for such a reason that a merchant acquiring any of the cash discount merchant services will entice many customers into their stores. With the promise of a lesser amount to pay by simply paying with cash instead of cards, customers will take the bait. 

A merchant will increase his sales by acquiring the best cash discount program. This shifts the burden of processing fees to customers and gets bargain hunters to return to their store.


While many consumers still use their cards to pay for in-store purchases, offering discounts will surely motivate them to pay in cash.  A merchant acquiring cash discount merchant services incentivizes cash payments and results in a merchant gaining faster access to their sales revenue instead of waiting for long processing times.

As a result, a merchant will get to pay for business expenses such as payroll and suppliers and will most likely quickly expand their business. Nevertheless, suppose a customer chooses to pay to spend with his card. In that case, a merchant acquiring cash discount program merchant services won’t have to worry about the resulting processing fees associated with debit and credit card transactions.

Free payment processing is a convenient solution for small businesses that want to take advantage of the benefits of accepting payments without worrying about the infrastructure needed for a traditional payment system.

The advantage of free payment processing is that it offers merchants more convenience and less hassle. They don’t have to worry about the infrastructure needed for a traditional payment system, which can be expensive. 

If you are a business owner, you might wonder why you should use free payment processing. There are many advantages to using free payment processing.

Zero cost credit card processing is also crucial because it can help to attract new customers and increase revenue by attracting new customers. Some advantages include getting customers with less hassle, getting more customers, and having a higher conversion rate.

To sum up, free credit card processing is a cost-saving solution that allows businesses to accept customer payments without incurring transaction fees. It’s also the best way to get your business up and running quickly, which can be difficult with other payment options like PayPal or Stripe.

Moreover, With the increasing popularity of online shopping, more and more businesses are looking for ways to reduce costs. Free credit card processing is one such way that helps in saving money.


Some companies offer free credit card processing as an incentive for customers who purchase online. Others suggest it as a part of a membership program or as part of their marketing strategy.


Indeed, acquiring the best cash discount program provides many advantages for merchants. Therefore, choose the best cash discount program ISO available in your area if you receive such a program.


Coincidentally, Savvy offers the best cash discount program!

With us, we guarantee that we offer our services in transparent pricing that will make availing of a cash discount program a true advantage on your part. 


Contact Savvy Merchant today to learn more about best cash discount program and other payment processing solutions that will help you further boost your business starting today!


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