0% Credit Card Processing

Collect 100% of your processing sales

New Rules. New Solution.

Accept credit cards at 0% cost.

Say Good Bye to Processing Fees

With our Merchant Cash Discounting Program, all your daily card processing fees will be incorporated into the sale and a small service fee is passed on to the card holder.

Pay Monthly Low Flat Fee

Why pay higher fees when you process more credit cards? Process unlimited credit cards for only one small monthly fee of $15. Or pay $0 if you refer us 6 businesses. Collect 100% of your revenue daily!

60 Day Satisfaction Guarantee

There is No obligation. Try our risk free cash discount program. If you are not happy saving thousands, you can switch back to a traditional low cost merchant account & still save up to 60% on credit card processing monthly fees.

Legal Nationwide

Our cash discount program is 100% legal in all 50 states. Now your business can finally benefit from the same laws that other businesses have been taking advantage of for years..

Start Saving Thousands

Why pay credit card rewards points & other interchange fees when your customers are the ones benefiting ? A minimal convenience fee added on your customer’s bill saves you thousands in yearly processing fees….

Free Online Sales Tracking System

Stay in the loop 24/7 ! Monitoring and reporting of all your daily sales transactions, batches, refunds, chargebacks and monthly statements is easy via our secure web-based merchant account portal.

Free Merchant Account Setup

No Setup fees, application fees or terminal programming fees charged when you setup a new cash Discount Merchant Account with us. Equipment will arrive preprogrammed to your business.

FREE EMV Terminal

Qualified merchants get a FREE EMV terminal so you can implement our new zero fee program and save money right away ! Our technology is a totally compliant Cash Discount program legal in all 50 states.

Its Work?

Bye-bye Fees

With our software, all the processing fees will be incorporated into the sale and a small service fee is passed on to the card holder.

Cash is King

Even better, your customers are rewarded for paying in cash with a 3.99% discount!

A Bigger Profit

You, the business owner, get 100% of the sale and at the end of the month, your processing fees will be ZERO!

Signs of the Times!

Point-of-purchase pricing and discount signage clearly spell out the process to customers

Complete Transparency in Pricing for Your Customers

Zero Credit Card Processing Fees

If a customer pays $100 on a credit card, you receive $100 in your account.
If they pay $100 on a debit card, you receive $100 in your account.*

Split Pricing for Your Customer

If a customer pays $100 on a credit card, you receive $98 in your account.
If they pay $100 on a debit card, you receive $98 in your account.*

We change the way you get paid

With recent law changes and the advancement of our proprietary software your business can now accept credit cards for FREE! SwipeCard247 Introduces 0% Processing! It is a method of passing a service fee to all customers while giving a discount to those who pay with cash.


SwipeCard247 0% Processing
Interchange Fee 2%-4% of Gross 0%
Transaction Fee $0.05-$0.25 $0.00
Authorization Fee $0.05-$0.25 $0.00
Statement Fee $5-$10/mo $0/mo
Monthly Minimum $25-$50/mo $0/mo
Online Access Fee $3-$15/mo $0/mo
Other Junk Fees $1-$199/mo No junk fees

SwipeCard247 0% Processing Will once and for all Eliminate all Processing Fees

With the SwipeCard247 0% Processing plan, you’ll never have to worry about processing fees. Our exceptional customer service will make you a happy customer. Thousands of merchants are already using SwipeCard247, and more are signing on every day.
See if your business qualifies for 0% Processing



Trust our secure EMV certified Z-line with EMV, NFC Contactless, Touch Screen, Dial, IP and Wi-Fi.

DEJAVOO Z8 (Tri Comm)


PIN Pad Terminal USB & IP



$999 FREE

Plus $29.00 Monthly Software and Support Fee per Exatouch Bundle — Includes POS Cloud!


Best fits for:

Coffee Shop
Fashion Boutique
Vape/E-Cig Store
Fast Food
Small Retail Shop
Food Truck


To be compliant, signage must be hung at your point of entry and point of sale to alert your customers of the Checkout Fee and the Cash Discount. Example of signage below.

You can’t hide fees in the receipt.

There is no way we can hide the fee that your customer is being charge in the receipt. This is how the customer’s receipt looks like:

No Pin Debit.

With Cash Discount Program, your equipment is set to run Debit Cards as Credit Card transaction.

Free White glove setup service

We will hold your hand the whole way through.

Become an

Personalized training will be provide at no charge to you. By the time you are done you will be an expert.

Overnight equipment replacement

Never lose clients because your terminal is down. We offer free overnight replacement.

24/7 Customer

24/7 Live Tech support. Knowledgeable staff. Free upgrades. We did our homework :)


Frequently asked questions

Got questions? We’re ready to help you find the answer.
A unique program developed to help merchants nationwide save virtually 100% on processing fees by offering their customers a discount for paying with Cash or in store gift cards.
Just about any business that accepts credit cards can benefit from SwipeCard247. From auto repair shops and daycare centers to retail establishments and professionals like doctors, lawyers, dentists and accountants, SwipeCard247 can put more money in your pocket every month — a lot of it!
This is the fun part. We’ll send you everything you need in one handy package. You’ll receive a payment terminal, along with signage for your front door and terminal area explaining the discount for cash-paying customers. You’ll also receive free training, as will your sales staff. You’ll also receive a great gift while supplies last.
It’s easy! Just press GET STARTED button and fill out a simple form It only takes a couple of minutes! Business and Personal information is confidential and secure. Welcome to the SwipeCard247 family of smart merchants who are saving money every day!
If for any reason you wish to discontinue the Cash Discount Program, we will immediately change you back to traditional Interchange Pricing. You will still save a lot of money on your credit card fees by utilizing the SwipeCard247 low rate program, which saves business owners on average 72% over the fees your previous processor was charging.

While nobody wants to pay additional fees, more and more consumers are starting to realize just how expensive it’s been for merchants to accept credit cards. By charging a 4% fee on a sales transaction, that’s a small price for customers to pay for the goods and services you provide. And (if paying that fee or Implementing the Cash Discount Program) allows you to stay in business and keep your overall costs lower, it’s a small price to pay.

In fact, surveys have shown that over 80% of respondents stated they wouldn’t think twice about paying that amount (only $1.00 on a $25.00 transaction) for the convenience of using their credit card rather than carrying cash. And we all know that fewer and fewer of us are carrying cash these days…and everyone loves the rewards associated with their credit cards.

Additionally, we’ve all become accustomed to paying $2-4 when we use an ATM and this cash discount fee is actually cheaper than the ATM fee for most transactions.

If you explain that the Cash Discount program is a way for you to keep providing quality goods and services without increasing your overall prices, most consumers have indicated they understand and are fine with it. And again, a 4% fee on an individual transaction generally has a very small impact to the consumer, but for you, the merchant, your savings are significant.

Not at all. We’ve made SwipeCard247 incredibly easy to order, set up and manage. If you have any questions, just give us a call and one of our super-smart (and very friendly) tech people we mentioned earlier will help you with any questions or concerns.
As Mitchell Katz, spokesman for the Federal Trade Commission, said in May of 2011: The Dodd-Frank law prohibits a payment card network such as Visa “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards,” said Katz. “Neither surcharging, nor a cash discount is illegal.”

No, the Cash Discount program, while seemingly similar, is actually very different, particularly in the eyes of Visa and MasterCard. As mentioned in the preceding Q&A, the 2013 ruling against the card networks resulted in merchants now being able to implement a surcharge. The surcharge is allowed in all but 10 states (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas, plus the U.S. territory of Puerto Rico).

Those states claim that a surcharge is not fair to consumers. We find it somewhat laughable that it’s not fair for consumers to pay for the cost merchants incur to provide goods and services while it’s been perfectly OK for merchants to pay for the rewards programs associated with the credit cards that consumers use.

You do realize that, right? Every time you see an ad on TV, in print, or hear on the radio that talks up the benefits and rewards associated with a particular credit card, those benefits come in the form of higher Interchange rates that merchants pay to be able to accept those cards. The increase in fees is not borne by the card issuing banks or credit card processors – it’s paid for by you the merchant!

The Surcharge carries with it several stipulations:

  • Only credit cards may be surcharged – no debit cards
  • Signage must be posted for at least 30 days prior to implementing a surcharge alerting your clientele
  • There is a 4% maximum that can be imposed
  • Surcharging is only allowed in states where the program has not been excluded

With the Cash Discount program, these limitations are not in place, as you are not implementing an additional fee for accepting a credit card, you are providing a discount for those who pay with cash. This is a clear distinction, and one that Visa, Mastercard, and the courts have agreed upon:

In a Cash Discount program, all prices in your store carry a 4% Service Charge. The posted prices are your cash price. Those who pay with cash do not have to pay this fee. This is not a situation where those who pay with a credit card pay more.

As Mitchell Katz, spokesman for the Federal Trade Commission, said in May of 2011: The Dodd-Frank law prohibits a payment card network such as Visa “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards,” said Katz. “Neither surcharging, nor a cash discount is illegal.”

Is this a semantics argument? We’ll let you decide, but most importantly, Visa, Mastercard, and the courts allow for this distinction.

Other than the ability to virtually eliminate your monthly processing fees, the Cash Discount Program can really help those businesses that are most impacted by high processing costs. Consider small ticket merchants like a sandwich or coffee shop. You may have an average transaction size of only $5-8 dollars (sometimes even less). The underlying Interchange cost on a debit card used as a credit card is .05% plus $.22 per transaction before any processor fees. If you accept a debit card on a $5 transaction, your effective rate (fees divided into the sale amount) will be $.2225 divided into $5 or 4.45% before paying any additional fees! Compare that to a business that has a $100-dollar average transaction where their total costs are $.27 so their effective rate is now only 0.027%. The same credit card was used for each transaction, but the overall impact to profit is radically different. Using the Cash Discount Program can mean the difference between a business that is profitable and one that is just squeaking by (or sadly, not squeaking by…)
No, in fact it’s been around for decades in Europe and is used across the US in gas stations where a cash discount is offered at the pump. Gas stations have been using this program in the US for over 15 years. Many national, state and local governments including the DMV, Secretary of State, Post Offices, Schools, Courts, and the IRS implement a Service Fee.

Until recently, Visa and MasterCard regulations made it clear merchants could not charge more to a consumer who used a credit card over other methods of payment. As a result of a 2013 lawsuit against the card networks, merchants are now allowed to impose a surcharge in all but 10 states and Puerto Rico. We’ll address the surcharge in the next question below.

However, there has always been a stipulation in the Visa and Mastercard regs that allow for a discount when paying with cash.

While this may seem like an issue of semantics, it’s simply adhering to the wording of the Visa and Mastercard regulations that allow the cash discount program to be implemented.

Here’s the verbiage specific to both Visa and Mastercard Rules and Regulations:

From Mastercard Rules 15 November 2016
1. 5.11.2 Charges to Cardholders
2. A Merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any Merchant discount or any contemporaneous finance charge in connection with a Transaction.
3. A Merchant may provide a discount to its customers for cash payments.
4. A Merchant is permitted to charge a fee (such as a bona fide commission, postage, expedited service or convenience fees, and the like) if the fee is imposed on all like transactions regardless of the form of payment used, or as the Corporation has expressly permitted in writing.

From Visa Core Rules and Visa Product and Service Rules – 22 April 2017
1. Discount Offer – US Region and US Territories In the US Region and a US Territory, a Merchant may request or encourage a Cardholder to use a means of payment other than a Visa

Card or a Visa Card of a different product type (e.g., Visa Classic Card, Visa Traditional Rewards Card, Visa Signature Card) than the Visa Card the consumer initially presents. Except where prohibited by applicable laws or regulations, the Merchant may do so by methods that include, but are not limited to:

Offering the consumer an immediate discount from the Merchant’s list, stated, or standard price, a rebate, a free or discounted product or service, or any other incentive or benefit if the consumer, who initially presents a Visa Card, uses instead another general purpose payment card or another means of payment

Communicating to consumers the reasonably estimated or actual costs incurred by the Merchant when a consumer uses a particular general-purpose payment card or means of payment or the relative costs of using different general-purpose payment cards or means of payment

Remember, your stated price now carries a 4% Service Fee, so when you someone pays with cash, they are receiving a discount off of your stated price, not an increase when they pay with credit or other means of payment.

When a fee is incorrectly applied to a transaction, any additional fee charged to those consumers using a credit card is labeled a Surcharge and that is expressly forbidden by Visa, Mastercard, and the processing provider without taking very specific steps.

The way around this process is to allow us to automate a Cash Discount Program for you which is different than the Surcharge. In the Cash Discount Program, you post signage stating that all consumers will now be paying a 4% Service Fee, however for those paying with cash, the fee will be waived. We will automate your equipment so that this fee is automatically added for those customers using any method of payment other than cash (essentially credit cards). While this may sound very similar to the Surcharge Program, it is distinctly different in that everyone is paying an increased fee, but those who pay with cash receive a discount, whereas with the Surcharge program, you are specifically stating that those paying with credit cards will pay more. Most importantly it is aligned with the rules of Visa and Mastercard.

Additionally, you are forbidden by Visa, Mastercard, and the Processor’s rules to profit on a credit card transaction, which could happen if you accidentally charged more than you were being charged by the processor. By utilizing the Cash Discount program, we establish proper pricing for you to ensure you stay within all stated guidelines.

Since our inception, SwipeCard247 has been an advocate acting in the best interest of our merchants, savings our clients millions of dollars each year. The Cash Discount offering creates a path to save our clients even more money each month. With the addition of this program, we have multiple options for our clients to choose the savings plan that best suits the business. Ask us about Hybrid options if you’d like to cover some of the costs while charging your clients some but not all of the fees.

Terminal leases often have incredibly high rates relative to the underlying piece of equipment you are “renting.” For instance, it’s not uncommon to see a lease on a desktop terminal for $79 per month for 5 years. The retail price of the hardware is often only $300-400 and the cost of that terminal will be $4740 by the time it’s all paid off!

So when you know the truth it’s nauseating to make that $79 payment, but if we can save you $300 or maybe even $3000 per month in processing fees, it becomes much easier to stomach.

Likely better to continue making the payment and set a calendar event to cancel as soon as possible.

Similar to the previous FAQ on terminal leasing, sometimes cancellation fees can be insultingly high (side note: SwipeCard247 never has a cancellation fee!). But often you can wait a month after switching before the fee catches up with you, and by then you will have saved significantly on the new program. In the long run you will be far better off to switch and start saving as soon as possible.

Most merchants will see some small fees on their bill as it’s hard to get every transaction to zero out completely based on all the variances in the Interchange billing structure. That said, we typically see the monthly fees drop down below $100 per month, even if previously the fees had been several hundred or even several thousand dollars!

Keep in mind that if you want to receive a statement where the net dollar amount in fees is as close to zero as possible, we will set you up with a daily discount billing plan. That means on a $25 transaction, you collect 4% for a total sale amount of $26. You will receive $25 in your account the following day and the 4% fee will have been subtracted out. At the end of the month, you’ll have the net cost of your goods and services in your bank account with minimal processing fees.

If on the other hand, you want to see the total amount of the transaction ($26 in the example above that is inclusive of the 4% service fee), then you’ll see a monthly statement that shows your total sales amount and you’ll be billed for the 4% at the end of the month. If you had 1000 $25 transactions plus a 4% service fee, you’d see $25,000 in sales, plus $1,000 in fees for $26,000 total. You would then be billed for the $1,000 at the end of the month.

The net result is the same because you are eliminating your processing costs through the implementation of a 4% fee. It all comes down to how you like to do your accounting – daily with all fees being subtracted out, or as a lump sum subtraction at the end of the month where you’ve put more money in your checking account to offset the end of month fees. The choice is yours.

On a case by case basis, we will work with you to implement a hybrid solution where you charge a Service Fee of anywhere between 1-4% to your consumer and you.

Yes, while we are currently operating under Visa and Mastercard guidelines, there is nothing preventing them from making changes to their own regulations at some point in the future. The program has been in use in the US for the past 4 years with no indications that either Visa or Mastercard will make changes to prevent it, but it is always a possibility.

If the program were to be disallowed, we would simply switch you to our low cost, Interchange Plus program where you’d pay some of the lowest rates possible within the normal card processing framework.

Here is our blog link on the topic of the Cash Discount Program, Surcharging, and Visa/Mastercard regulations.


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Resource Center

Pin Debit vs Signature Debit

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Swiped vs. Keyed Transactions

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What is Wholesale Pricing? Wholesale also known as Interchange Fees is the rates set by the credit card companies themselves. Every card has a different ...
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Credit Card Processing Fees SCAM

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Understanding how credit card processing fees are determined and how different merchant account pricing models work can save your business hundreds of dollars a month ...
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What is Markup Pricing? The markup over interchange and assessments is the only area where you can negotiate credit card processing costs. Keep in mind ...
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Businesses everywhere are overpaying for credit card processing.

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