Offset eligible card costs
Review whether the program can offset up to 100% of eligible card-processing expense.
Independent payments expertise. Enterprise-level capability. Real people.
0% PROCESSING FEE PROGRAM
Eliminate credit card processing fees.
Pass credit card processing costs to customers with PayPact’s preferred dual-pricing approach. Present a clear cash/check price and card price, and explore how much eligible card-processing expense your business can offset.
KEEP MORE OF EVERY SALE
Two clear prices. An informed choice.
Pass credit card fees to customers through a properly configured dual-pricing program. Customers see a cash/check price and a card price before payment, with the appropriate prices and disclosures carried through the transaction.
For supported online invoice flows, an approved ACH/eCheck option can provide the alternative payment price.
AN EXAMPLE OF DUAL PRICING
Cash / check price$100.00
Card price$103.50
THE PROGRAM IN PRACTICE
More than changing the number at checkout.
The customer experience, technology, and operating details need to work together.
Two prices, clearly presented
Show the cash/check price and card price before the customer pays.
Compatible payment tools
Configure supported terminals, POS systems, or payment tools for the chosen program.
Invoice and payment-link options
Review supported hosted flows with the appropriate card and alternative payment prices.
Receipts and payment records
Keep customer pricing, receipts, refunds, and reporting aligned with the program.
Setup and staff support
Prepare your team to explain the choices and handle everyday questions.
YOUR PAYMENT ENVIRONMENT
At the counter. On an invoice. Inside supported software.
PayPact reviews where customers pay and which systems need to support the program. We can configure compatible payment tools or evaluate fee-offset availability within an existing integration.
Explore payment integrations- Customer-facing prices and payment choices
- Card-type handling and program eligibility
- Equipment, hosted pages, and software support
- Receipts, refunds, reporting, and staff training
“Zero-fee” or “zero-cost credit card processing” describes the goal of offsetting eligible card-processing expense. Equipment, software, ACH, and other account costs may still apply.
UNDERSTAND THE DIFFERENCE
Similar goals. Different pricing methods.
Dual pricing
Present the cash/check price and card price upfront. PayPact’s preferred approach uses the supported system to display and apply the appropriate price.
Cash discount program
Display the regular card-inclusive price and offer an eligible discount for an alternative payment method. The advertised price, checkout, and receipt must reflect the configured program.
Credit card surcharge
Add a separate fee to eligible credit-card transactions under the applicable requirements. This is a different program with distinct limits, disclosures, and card-type rules; it is not another name for dual pricing.
03PROGRAM SETUP
Review the fit. Configure the experience. Launch with clarity.
The right approach depends on the business, payment methods, software, and program requirements.
One accountable team across discovery, implementation, support, and optimization.Review eligibility and economics
Assess locations, card mix, sales channels, current costs, and program requirements.
Configure prices and payment flows
Confirm supported tools, disclosures, receipts, and the treatment of each payment method.
Prepare staff and test
Review the customer experience, refunds, reporting, and everyday explanations before launch.
04COMMON QUESTIONS
Clear answers before the next step.
How can businesses pass credit card fees to customers?+
Through an eligible, correctly configured pricing program. PayPact prefers dual pricing: customers see a cash/check price and a card price before payment. We review the business, location, payment methods, software, and program requirements before recommending the setup.
Can I eliminate all of my processing costs?+
Eligible programs may offset up to 100% of card-processing expense, but that is not a promise that every business cost disappears. Equipment, software, ACH, and other account charges may still apply. We review the complete cost structure with you.
Is dual pricing the same as a credit card surcharge?+
No. Dual pricing presents the alternative price and card price upfront. A surcharge adds a separate fee to eligible credit-card transactions and has distinct requirements. Renaming a fee does not change how the program is treated.
How is a cash discount program different?+
A cash discount starts with a displayed regular card-inclusive price and applies an eligible discount for another payment method. Dual pricing shows both prices. The advertised price, checkout, and receipt need to match the actual program.
Does zero-cost credit card processing mean customers have no other payment choice?+
No. The customer should see clear payment options. Cash/check or, in eligible remote flows, approved ACH can provide an alternative to paying the card price. Available methods depend on the setup.
How can I avoid credit card processing fees without replacing my software?+
We first check whether the existing payment connection supports an eligible fee-offset program. Many supported configurations do, but availability is confirmed for the exact product and workflow. ACH and commercial-card optimization can also be part of a broader cost review.
Can we simply add a fee to every card?+
No. Card-type handling, price display, customer disclosures, and applicable program requirements must be configured correctly. Surcharging and dual pricing are different approaches, and debit or prepaid treatment cannot be assumed.
LET'S MAKE THE NEXT STEP CLEAR.
Review my program options.
Bring your current setup and the one thing you most want to improve. We’ll help you understand your options and what a move would involve.
Review my fee-offset options