Zero Fee Payments Program

Mobile payment at checkout counter

Eliminate Credit Card Processing Fees Forever

Credit card processing fees drain profits from your business month after month. Our Zero Fee Payments program changes that reality by implementing cash and card pricing options that shift processing costs away from your bottom line. This compliant dual pricing payment processing solution allows you to accept all major credit cards while keeping your profit margins intact.

Business owners across the nation have discovered how our approach at Midwest Merchant Services transforms their payment processing from a monthly expense into a cost-neutral operation.

How It Works

The Zero Fee Payments program uses a dual pricing model that clearly presents customers with two pricing options at the point of sale.

Instead of the business absorbing the cost of card processing, pricing reflects the actual cost of the payment method used.

 Standard Cash Price

 Standard Cash Price

Products or services are listed with a standard price that reflects the cost of paying with cash or other non-card methods. Customers who pay with cash receive this base price.

Card Payment Option

Card Payment Option

Customers choosing to pay with a credit card are presented with a card price that reflects the associated processing costs. This pricing structure maintains transparency while allowing the business to recover the expense of card transactions.

Business Retains More Revenue

Business Retains More Revenue

Because processing costs are built into the card price, the business no longer absorbs these fees. This allows companies to protect profit margins while continuing to accept card payments.

Is It Legal?

Yes. Dual pricing programs are widely used and operate within established payment industry guidelines when implemented correctly.

The Zero Fee Payments program is structured to comply with relevant regulations and card network rules.

Compliance Considerations Include

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    Payment card network guidelines from Visa and Mastercard

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    Federal regulations, including the Durbin Amendment

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    Transparent disclosure of pricing differences

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    Clear signage explaining payment options

Midwest Merchant Services ensures that participating businesses receive the proper signage and communication tools needed to maintain compliance and transparency with customers.

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What You Get

Businesses enrolled in the Zero Fee Payments program receive the tools and support needed to successfully implement the model.

Program Resources Include

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    Compatible point of sale equipment or system configuration

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    Clear signage explaining cash and card pricing

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    Compliance guidance for proper program implementation

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    Staff training for explaining payment options to customers

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    Ongoing support from merchant services specialists

Our goal is to ensure the program integrates smoothly into your daily business operations.

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Traditional Processing
vs. Zero-Fee Payments

Most businesses accept credit cards through traditional processing agreements that deduct fees from every transaction.

The Zero Fee Payments model changes how those costs are handled.

Traditional Processing

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    The business pays credit card processing fees

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    Profit margins reduced with every transaction

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    Processing expenses increase as sales grow

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    Limited visibility into true processing costs

Zero Fee Payments Program

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    Customers choosing card payments cover processing costs

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    Businesses keep more of each transaction

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    Greater transparency around payment pricing

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    Opportunity to improve overall financial efficiency

Start Saving With
Zero Fee Payments

Businesses across many industries are discovering smarter ways to manage payment processing costs. The Zero Fee Payments program allows companies to accept credit cards while protecting their profit margins.

Connect with Midwest Merchant Services to explore how this program can support your business.