Zero Fee Credit Card Processing
Zero fee processing lets your business accept every major card without paying the processing cost yourself. Elite Merchant Solutions sets it up for Las Vegas businesses and for businesses across the country, with a free countertop terminal and support in English or Spanish.
How zero fee processing works
Zero fee processing runs on a cash discount program. Your posted prices are your cash prices. When a customer pays by card, a small non-cash adjustment is added at checkout and shown on the receipt. That adjustment covers the processing cost, so the full amount of each sale lands in your account.
Customers who pay with cash pay the posted price. Customers who pay by card see the adjustment clearly before they pay, the same way many gas stations show a cash price and a card price.
You keep the full sale
The processing cost is covered at checkout instead of coming out of your margin every month.
Clear for your customers
Signs at the entrance and register and an itemized receipt keep everything transparent.
Works on modern equipment
Clover, Valor, PAX and Dejavoo terminals all support cash discount or dual pricing. See the equipment.
Is zero fee processing legal?
Yes. Federal law allows businesses to offer a discount for paying with cash, and Nevada allows businesses to pass card processing costs on to customers as long as customers are told before they pay. That means signs at the entrance and the register and the adjustment shown on the receipt. Benjamin sets up the signage and receipts with you so your program stays compliant. For more detail, read Is the Cash Discount Program Legal in Nevada?
Who it works best for
Zero fee processing is a strong fit for restaurants, food trucks, retail shops, salons and barbershops, auto repair shops, contractors and other service businesses where card fees add up fast. If most of your customers pay by card, the savings show up on your very next statement.
Free countertop terminal
A terminal is included, and Benjamin can walk you through Clover POS or mobile options if you need more.
Local, bilingual support
Setup, signage and questions handled by a real person in Las Vegas, in English or Spanish.
Straight answers on cost
Every cost is explained before you sign anything, so nothing on your statement is a surprise.
See what zero fee processing could save you
Send Benjamin a recent processing statement and he will show you what you pay now next to what you would pay with a cash discount program.