Zero Cost Credit

Eliminate credit card processing fees with surcharging.

Card brand rules now permit a surcharge to be applied on credit card transactions. Merchants are not allowed to add a fee onto debit cards. Zero Cost Credit automatically applies a 3.5% surcharge on credit card sales while allowing debit cards to be processed without a surcharge, providing a fully compliant surcharging solution for all merchant types: in person, over the phone, and online.

Seamless Credit Card Surcharging

Seamless Credit Card Surcharging

  • You keep 100% of every credit card sale.
  • Customers can always choose debit for a no fee option.
  • Works seamlessly on terminals, mobile devices, and online.
  • Zero Cost Credit is not available in all states and in some states additional terms apply.
Present, Then Pay.

Present, Then Pay.

  • Cardholders will only see the surcharge fee on the payment screen if they use a credit card for payment.
  • Cardholders can avoid the fee by simply using a different payment method (debit, cash, check).
Surcharging is available on Converge for Internet and Card Not Present Transactions.

Surcharging is available on Converge for Internet and Card Not Present Transactions.

  • Hosted Payments Page
  • Virtual Terminal
  • Buy Button
  • XML API
  • Checkout.js