Accept More Payments.
Get Paid Faster.
Reduce Processing Costs.

Modern payment infrastructure designed to eliminate hidden fees, increase approvals, and give you faster access to your funds.

PCI DSS Level 1 100% Uptime USA Coverage

Works with the hardware you already trust

Clover Verifone PAX Authorize.net USA ePay Dejavoo BotX

Stop Paying
Processing Fees.
Start Keeping More.

The Cash Discount Program lets you pass card fees to card users and reward cash customers — just like gas stations have done for decades. Now Main Street is catching up.

  • It really is that simple — start saving thousands on your monthly processing fees from day one.
  • Zero processing costs, more profit on every transaction.

How It Works

Simple setup.
Instant savings.

We set you up with our proprietary terminal that automatically adds a 4% service fee for customers paying with credit or debit cards. Customers who pay with cash receive a 4% discount instead.

Merchant accepting card payment

Savings Calculator

Stop Paying Hidden Fees Every Month

Most processors bury fees inside your statement. We don't.

Monthly Fees You Won't Pay With Us

  • PCI Compliance Fees ($19–$99/mo)
  • Statement Fees ($10–$25/mo)
  • Batch Fees
  • AVS Fees
  • Gateway Fees
  • Annual Fees
  • "Non-Compliance" Penalties
  • Junk Add-Ons Banks Sneak In

With Us

  • Transparent pricing
  • No junk fees
  • No surprises
  • You keep more of every transaction

See how much you're losing

Adjust the sliders to match your current processing.

Monthly processing volume
$ 50,000 /mo
$5,000$1,000,000
Processing rate percentage 3.0%
2%4%

Based on industry average rates from traditional processors

📈
$750
Estimated monthly savings
That's $9,000/year back into your business
Upload statement Get a precise quote in 1 business day.
Upload statement

Solutions

Tailored for every business model

Your processing, policies, and settings are configured to match your business model.

Retail payment terminal

Retail & E-commerce

Grow your storefront

Accept payments in-store and online with unified reporting, inventory sync, and customer insights.

  • Omnichannel payment acceptance
  • Inventory & customer management
  • Loyalty & gift card programs
  • Real-time sales analytics
Restaurant payment

Restaurants & Hospitality

Made for food service

Full-service POS with table management, split checks, tips, and integrations with top delivery platforms.

  • Table & order management
  • Split tickets & tips handling
  • Kitchen display system
  • Delivery platform integration
SaaS dashboard

SaaS & Subscriptions

Recurring billing, simplified

Automate subscription billing, handle dunning, and reduce churn with intelligent retry logic.

  • Flexible subscription plans
  • Automated dunning & retries
  • Customer portal included
  • Revenue recognition reports

Devices

Powerful hardware for every setup

Reliable terminals designed for in-store, mobile, and multi-location use.

Countertop POS

Countertop POS

All-in-one countertop solution

Complete point-of-sale system with integrated payment processing, inventory, and reporting.

  • Large HD touchscreen display
  • Built-in receipt printer
  • App marketplace with 300+ apps
  • Employee management & shifts
Tablet POS

Tablet POS

Flexible mobile point of sale

Turn any tablet into a powerful POS system that moves with your business.

  • Portable & lightweight design
  • Intuitive touch interface
  • Integrated payment processing
  • Real-time inventory sync
Handheld Terminal

Handheld Terminal

Compact wireless payment terminal

Take payments anywhere with our all-in-one handheld terminal.

  • Wireless 4G + WiFi connectivity
  • Long-lasting battery life
  • Tap, dip, & swipe payments
  • Compact pocket-sized design

Stuck with your provider? We got you covered.

We made it easier for you to transition to our platform and if you have cancellation costs or equipment costs, we'll waive up to $500 of your processing fees.

Don't see your provider listed? Contact us for personalized assistance, and we'll help you with any administrative paperwork required to cancel your existing contract.

Discover our deception-free pricing
🖥️
Hardware & Pricing
Browse all devices, terminals & POS systems we support
Countertop POS
Tablet POS
Handheld Terminal
Card Reader

Platform

A complete payments platform, built for scale

☁️

Scale without limits

Process millions of transactions per month with enterprise-grade infrastructure built for growth.

🔒

Security first

Bank-level encryption, PCI DSS Level 1 compliance, and fraud detection that works 24/7.

Lightning fast

Near-instant settlement, real-time reporting, and global payment acceptance in one platform.

🔗

POS Integration Solutions

Seamlessly connect with leading point-of-sale systems. Accept payments in-store, on the go, or online with unified reporting.

Industry-Specific Processing

Tailored solutions for retail, restaurants, healthcare, and high-risk industries with custom risk profiles.

🖥️

Terminal & Hardware Support

Comprehensive hardware support across all major terminal brands.

Industry Awards

Transparency

No games, just transparency.

No setup fees. No hidden monthly charges. Transparent pricing based on your processing volume.

$0

No account monthly fees

No minimums, software fees, or statement fees.

$0

No cancellation fee

No contracts, termination fees or cancellation fees

$0

Get paid faster for free

Next-business day deposits on credit card and debit transactions

Signup fees
Create your merchant account instantly
$0
PCI fees
Annual compliance self assessment
$0
Recurring payments
Automate your subscription billing
+0.4%per transaction
Card & customer data migration
Transfer your data from another payment provider
$0
Chargeback
$0 for cases resolved in your favor
$15
NSF, reject, return for ACH transactions
Per rejected transaction by customer bank
$5

FAQ

Frequently asked questions

Everything you need to know about our platform.

We support major U.S. credit and debit card networks, including Visa, Mastercard, American Express, and Discover. Payment acceptance is subject to merchant approval and account configuration.
Standard accounts receive next-business-day deposits on credit and debit transactions at no extra cost. Same-day options are available for qualifying merchants.
Onboarding typically takes 1–2 business days. We collect basic business information, a government-issued ID, and your bank account details. Most accounts are approved same day.
We provide proactive chargeback alerts, guided dispute resolution, and AI-assisted documentation to help you win cases. A $15 fee applies only to cases not resolved in your favor.
Most integrations go live in under a week using our REST APIs and SDKs. Our developer documentation covers all endpoints and a sandbox environment is included with every account.
Our infrastructure is PCI DSS Level 1 certified — the highest level of payment security. Annual self-assessments are included at no charge, and we provide guidance on staying compliant.

Contact

Let's talk about your needs

Our team is ready to help you find the right payment solution.

Location:
Los Angeles, CA
Phone:
+1 (646) 824-3566
Email:
info@zeroratesolutions.com
💡
How Our Cash Discount Program Works
A small surcharge is added at checkout for card payments. Customers who pay cash receive a discount. You pay zero in processing fees — the program is completely self-funding.

By submitting this form you agree to be contacted by Zero Rate Solutions regarding your inquiry.