Free Payment Processing For Small Business
We teamed up with the best payment processors in the USA to offer zero-fee merchant processing for all businesses. Stop paying credit card processing fees and get 100% of your revenues the next business day. All credit cards are accepted.
Start Accepting Credit Card Payments Today!
Our Credit Card processing solution is simple, fast and free. Yes, you will never pay a transaction fee again. Apply now and start accepting credit card payments in-person, online or on your mobile device
Easy & Cheap
Our zero-fee credit card processing solution is specifically made for small businesses. We kept it super easy and cheap so your busienss can earn more.
One-Time & Recurring
Yes, our merchant payment solution includes one-time or recurring credit card payments. We provide everything the big processors do, just more accessible and cheaper.
Mobile & Online
With our easy payment solution, your business can accept credit card payments anytime, anywhere with swipers and mobile app solutions.
A Small Business Payment Processor
Does your business accept credit or debit cards? These cards are slowly phasing out cash, and all companies eventually must accept them to survive.
Most people prefer using their debit or credit cards because it is quick and easy. They expect a flawless and fast transaction. To deliver it, you’ll need to sign up for credit card processing services.
We provide zero-fee merchant processing for all businesses that want to accept credit cards as a form of payment. It doesn’t matter if you are just getting started or are already processing millions in sales with credit cards.
When it comes to credit card processing, small business owners in particular need a solution that is simple and cost effective. Keep reading to find out how we make that possible.
No Transaction Fee Credit Card Processing
In the last 24 months, small business owners across America have gone through the wringer. Many business owners apply for funding, and others have developed creative ways to save money and maintain profitability. Credit cards processing contracts without processing fees are a great way to instantly save your business 3% to %7 of the revenue. In the USA, free payment processing is 100% legal, and thousands of business owners eliminate processing fees every day.
Credit card processing for small businesses with no monthly fees works with all major credit cards, pos devices, virtual terminals and mobile swipers. The technology is easy to implement, and the approval process is online.
The cheapest credit card processing for small business
Three main factors broadly define the cheapest credit card processing solution for your business:
- The fees structure of the payment processing company
- The ratio between your monthly fee and transactional fees
- The balance between the amount and size of the credit card transactions.
As a rule of thumb, the higher the number of transactions and revenues your business generates with credit cards, you should focus on reducing the transactional fees. The best credit card processing for small businesses is not always the one that seems cheapest at a glance. It would be best to consider your credit card usage profile to find the most affordable solution for you. New payment technology allows small business owners to apply for “no transactional fees” credit card processing solutions. If your business makes over $5000 per month with credit cards, “no processing fee” solutions are the cheapest.
The best credit card processing for your business
Get the best payment processing solution for your business. It doesn’t matter if you are just getting started or already processing millions with credit cards. We provide zero-fee merchant processing for all businesses that want to accept credit cards as a form of payment.
Case Study: No Fees For Payment Processing For Restaurants
We have already helped thousands of restaurants to eliminate credit card processing fees. Here is what we learned from the restaurant owners:
Four significant factors impact restaurant profitability:
- The average payment processing expense for restaurants is 3.5%
- Delivery or carry out service, they are taking 20% of the revenues
- Staffing issues are causing you to have to pay your current staff more money
- Supply chain issues, the cost of goods like meat, chicken wings, etc., have gone up exponentially
An average profit margin of a restaurant is 5%. For every $100 spent, you’re making $5. By eliminating merchant processing fees, restaurant owners can almost double their profit margins overnight. They will receive 100% of the revenue the next business day.
The Best Credit Card Processing Companies for Small Businesses in America
Let’s face it, most credit card processing companies are the same. Merchant Processing companies allow merchants to accept CC as a form of payment. Customer Support can differentiate. Someone’s pain may be to wait on hold for over 30 minutes every time they call. Some don’t like that they get a call centre in India; some want next-day funding. Some have never heard of zero-fee merchant processing. Our Merchant processing experts put together a list of America’s best payment processing providers. Please book a free consultation call with our experts here if you need further assistance.
|Company||Type||Price Structure & Fees||Processing Fees|
Monthly fee: N/A
|0.3% plus 8 cents and interchange|
per in-person payment.
Monthly fee: N/A, unless using specialty
|Starts at 2.6% plus 10 cents per|
|Interchange-plus and a|
Monthly fee: Starts at $99 per month for a
|Interchange plus 8 cents per in-|
|Payline Data||Merchant account|
|Interchange-plus and a|
Monthly fee: Starts at $10 per month for a
subscription. Must meet a
monthly minimum of $25 in
|Starts at 0.2% plus 10 cents and|
interchange per in-person
|Payment Depot||Merchant account provider.||Interchange-plus and a monthly fee.|
Monthly fee: Starts at $79 per month for a subscription.
|Starts at 15 cents plus interchange per transaction.|
Monthly fee: N/A.
|2.9% plus 30 cents per online|
|Dharma Merchant Services||Merchant account|
|Interchange-plus and a|
Monthly fee: $25 monthly fee.
|0.15% plus 8 cents and|
interchange per transaction.
|National Processing||Merchant account|
|Interchange-plus and a|
Monthly fee: Starts at $9.95 per month for a
|Percentage markups vary from|
plan to plan.
How Does Free Payment Processing Work
The entire process takes about 24 hours. After you apply online, one of our financial experts will contact you to help you with the electronic application. Working with our experts to apply takes around 15minutes, and we got a 99% acceptance rate.
We integrate with over 60 POS Systems, terminals and mobile swipers. So there’s a good chance you can keep your current system and even upgrade it to accept EMV cards. The no-fee processing is applicable for in-person and online transactions.
It doesn’t matter if your monthly credit card volume is $5,000 or $1,00,000; Your business will pay no transaction fee for credit card processing. All you’ll ever pay is $49.99 a month. No rate increases, no junk fees, no surprise junk fees ever!
What Is a Payment Processing Company?
Credit card processing is necessary for any business to accept credit cards. Even though the front-end process of paying via a credit card seems as simple as swiping, the back-end task of actually processing the transaction is quite complicated. That’s the job of credit card processors.
So, what exactly does a credit card payment processing service provider do? Here is a step-by-step overview of how a credit card processor works:
- The merchant (you) obtains the customer’s credit card information and submits it to the credit card payments processing company via a payment gateway.
- The credit card processing company sends this information to the relevant credit card companies (such as Visa or MasterCard) for approval.
- The credit card company approves the transaction and notifies the payment processing firm, finalizing the transaction with your customers.
- The processing company then sends a formal request to the customer’s card-issuing bank to send the funds to the merchant account (your bank account), also known as the acquiring bank.
Small businesses cannot accomplish this process by themselves, as there are many moving parts. In contrast, credit card processors process the transaction in seconds (although some may take longer) and charge a low fee for the service.
Small Business Payment Processor Frequently Asked Questions
We can get you from application to approval to saving within one business day. Please read the steps below, and let’s eliminate your business credit card processing fees forever:
1. As soon as we receive your online application, one of our small business processing experts will contact you for a quick call to guide you through the process. It will not take more than a few minutes, and it is totally free. In addition to the application, all we need is a copy of your driver’s license and a voided check. A bank verification letter will work fine if you do not have a void business check. Once we receive that information, we will submit your file to underwriting.
2. Underwriting may ask for your last 3 months of business bank statements and merchant processing statements, but this is rare. Once approved, you will receive an email informing you of your approval. You will also be receiving a call from one of our US-based support representatives telling you about your acceptance.
3. If you require any equipment, it will be programmed and tested from our headquarters and shipped to your business location. A tracking number will be emailed to you upon shipment. Once you receive the equipment, please take it out of the box and set it up. It is designed to be plugged in and ready to use, but instructions and a support number are included if you need any help along the way.
4. If you opted for a virtual online terminal, those login credentials should have already been emailed to you. If you haven’t received them, they should be sent out soon. From your online portal, you can start making transactions immediately. Please look through the portal to see all the different functions and reports you can run.
Different credit card processing companies for small businesses charge varying payment processing fees—most charge between 1.5% and 3.5% of each transaction’s total cost. However, Merchant Cash Advance charges a flat rate pricing set at $79.99. This monthly fee covers credit card processing and all other expenses.
You can save thousands of dollars in processing fees by finding a processing company that offers transparent pricing and lower processing fees. Unfortunately, most companies’ fee structures are complex and complicated. However, we offer one of the most affordable rates for a comprehensive range of credit card processing services.
Credit cards offer one of the safest payment methods. They minimize the risk of fraud, and customers’ data is secured through PCI DSS compliance. Most credit card providers also offer payment protection.
Processing companies incur costs when delivering services such as processing payments and providing merchant accounts. Consequently, they charge their clients for these services.
The best payment processors come with loads of additional features. Additional features are designed to streamline processes, offer more flexibility, and enhance the overall payment processing product.
Merchant Cash Advance offers these additional features:
Cash Discounts & Surcharges
Small business owners incur additional costs when accepting payments via credit card or online. These fees and other transactions charges add up as you receive more credit card payments. Fortunately, we offer two innovative features designed to limit your monthly fees and provide more options:
Provide customers who pay with cash a slight discount, such as $.10 on each cash-tender transaction.
Card Payment Surcharges
Alternatively, you can apply a small fee to all card payments.
Accept Mobile Payments
Credit card payments can now be processed on mobile devices. With our advanced mobile app, you can accept payments and process mobile payments with any mobile credit card reader, making the process easier for you and your customers.
We have created an automated account updater that automatically updates payment details in your customer’s account in your software platform for those customers who are storing their payment methods. This is useful for customers who have ongoing subscriptions, member profiles, or other recurring purchases.
Hosted Payment Page
Businesses that accept online payments will also appreciate a hosted payment page. This payments transaction page integrates with our hosted payment gateway to process online payment methods from any e-commerce site.
Hosted payment pages come with a variety of benefits, including:
Customizable email alerts
Customizable reports to track sales
Free virtual terminal
Integrate your website branding and logo
Eliminates the need for expensive SSL certificates
Online reports are also available for everything related to your transactions, including your customers. Among the details included in the reports are employee sales reports and information on client purchases. The data can be invaluable for planning and analysis.
We use the best cybersecurity technology to ensure our clients’ data is safe with StorageSafe. It uses state-of-the-art security systems to protect data stored off-site. StorageSafe encrypts every transaction as it goes out or comes in. Additionally, merchants can set up recurring billing without accessing sensitive data every time a transaction is processed.
Payment Account Reference (PAR)
The Payment Account Reference (PAR) feature can help you show your appreciation to your customers. You can use this feature to identify your most loyal customers by analyzing and reviewing their buying patterns. You can then implement loyalty rewards programs for them. Additionally, this feature can help you build deeper CRM capabilities and better manage customer accounts.
Visa Merchant Purchase Inquiry (VMPI)
You must always provide your customers with the best service possible. The last thing you want is for a customer to believe you conned them, which is why it is advisable to resolve disputed transactions as soon as possible. VMPI (Visa Merchant Purchase Inquiry) is designed for this purpose.
By using VMPI, you can directly connect to the banks that issue your customers’ credit cards. As a result, you can inquire about disputes and resolve them with disgruntled customers transparently. This feature works in real-time to resolve disputes as quickly as possible.
The majority of credit card processing companies offer the following features:
All businesses that accept credit card payments (no matter how big or small) are legally required to comply with PCI DSS (Payment Card Industry Data Security Standards) guidelines. These guidelines are designed to ensure credit card holders’ data security and privacy. These guidelines are so broad that they even govern the devices that process credit card payments.
A User-Friendly Interface
The back-end processing of credit and debit card payments is complicated. Most credit card processing companies strive to make their systems easy for their clients by designing user-friendly interfaces.
Multiple Layers of Security
The threat of cyberattacks is growing as hackers get access to more sophisticated programming technologies. However, most credit card processing companies have deflected such attacks because of their sophisticated multi-layer cybersecurity payment solutions. A payments processing company with lax security solutions can put your finances (and the finances of your customers) at risk.
Integration with a Payment Gateway
Some payment processing companies can have your money ready in your account in seconds, while others may take several business days. An integrated payments gateway solves this problem while you process payments and also helps improve users’ data privacy and security.
Every retail business must have an efficient and reliable credit card processor and a Point of Sale (POS) system. Merchant Cash Advance (MCA) offers a variety of countertop terminals and POS solutions for small businesses of all types. We can help you set up your card reader and payment processor quickly.
Our payment processor system and devices work with a range of payment terminals, including:
OVVI is a complete point-of-sale system specifically designed for restaurants and retail businesses such as salons and convenience stores. The service is designed to integrate with several vendors that work with third parties, including Uber Eats and DoorDash. Additional features include a table layout, custom menu layouts, and unlimited split check options. The program consists of more than 600 built-in features.
Ingenico is one of the largest credit card terminal manufacturers in the industry. Its features and services include a virtual terminal for online businesses, contactless payments including NFC, fraud and chargeback prevention, ACH and eCheck processing, and mobile payment apps.
To provide high-quality POS machines, PAX Technologies utilizes the Android and Linux platforms. These machines are equipped with a large number of payment processing features. They accept a wide range of credit card and online payment options, including Apple Pay.
Clover offers an intuitive interface that is easy to use and learn, making it easy to set up. Clover provides a robust app marketplace. These apps can be integrated with the Clover POS to offer a wide range of business solutions, including tracking inventory, monitoring your revenue streams, generating analytical reports, and managing employees and customers.
Fiserv (Formerly First Data)
Fiserv is one of the largest payment processing companies with more than six million users worldwide, processing more than $2 trillion per year. It is also estimated that they handle more than 40% of all transactions made with credit and debit cards in the U.S. Fiserv offers a variety of terminal and POS machines catering to businesses of all sizes.
Poynt is an Android-based POS system that provides a comprehensive range of payment processing services. As a future-proof platform, it offers advanced features and solutions. Among these is the shift away from traditional debit cards and the rise of digital wallets and EMV chip cards.
TSYS Vital POS
TSYS Vital POS offers a wide range of features. Among its features are inventory management, employee management, and tax reporting. It also provides countertop devices that can perform all POS functions for a more organized and less hectic approach to payment processing. Small and growing businesses can find this to be an excellent POS system.
Verifone’s solutions include high-quality devices that can process up to 300 transactions on a single charge. The system also generates analytical reports, which helps with planning and marketing functions. It is compatible with Android, iOS, and web-based platforms and can be integrated with other third-party applications.
It is the businesses’ responsibility to protect their customers’ data when accepting credit cards and online transactions. The Payment Card Industry Data Security Standard (PCI DSS) rules and guidelines are designed to compel businesses to uphold reliable security standards.
Credit card processing service providers enforce these guidelines and rules. Failure to comply can lead to hefty penalties for your credit card processor, affecting your credit card processing services.
We make it easy for our clients to comply with the latest rules and guidelines. We offer a combination of tools designed to secure your customers’ data so that you don’t have to worry about tracking or breaking PCI compliance guidelines.
Credit cards are the preferred payment method today due to their convenience and speed. Card payments account for more than 70% of all in-person payments in brick-and-mortar stores and about 50% of all online transactions. Due to this, businesses without a credit card processor will lose a great deal of revenue.
Credit card processing has many benefits for large and small businesses, including:
Accepting all types of debit and credit cards
Offering customers alternative payment options
Legitimizing your company among clients that prefer paying with credit cards
Boosting sales to grow your business
Improving your cash flow through your merchant account
Stop Paying Credit Card Processing Fees
Accept Credit Card Payments But Avoid Transactional Fees.
Offering in-person or online credit card payments to your customers seems like a no-brainer. Still, this business necessity comes at a cost. Credit card processors like Visa, Mastercard and others charge fees for each transaction you initiate and take a big slice of your earnings. Suppose you’re not willing to front the transaction cost. In that case, there are two legal and trendy ways to offset the fees: cash discount programs and surcharge programs.
Apply now, and start saving tomorrow. Let’s get your business and instant saving with no transaction fee credit card processing. All the benefits below are included:
- Zero Merchant Processing Fees
- Next Day Funding
- 24/7 US Based Customer Support
- State of the Art Technology and Equipment
- No Rate Increases or Hidden Junk Fees
- Data Analytic Services Available to Help Increase Sales
- Simple Interest Revolving Lines of Credit and Term Loans Available
Apply for Free Payment Processing
For Your Small Business
It’s Time To Move Your Business Forward!