Frequently Asked Questions

How does this program work?

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the Net Zero program meet the standard regulations that have been set by the major card service providers, state law, and federal law. As part of our regular standard list product pricing, a small service fee (much like an automatic service gratuity applied in some dining locations) is assessed on all sales regardless of how payment is made including checks, cash, credit cards, gift cards, etc. Refer to the Durbin Amendment for additional information.

Won’t my customers be upset by the fee and not want to do business with us?

Explain to your customers that this program gives them an incentive to pay with cash. The fees they will pay if they opt to pay by credit cover the increasingly high costs of card processing, fees that are waived when payment is made by cash. Understandably, no one wants to pay fees for anything. The reward for paying with cash instead of using a card is cheaper than most ATM fees and allows merchants to offer quality goods and services without having to raise their prices. In our experience, most customers are very understanding of this and will either opt to pay cash or accept the terms of paying by card.

Why can’t the rate be lower?

In order to save merchants the most money possible, the rate covers all processing fees with the exception of terminal fees: transaction fee, batch fee, PCI compliance fee, statement fee, interchange fees, and so on.

Will this program eliminate my monthly fees all together?

While we’d like to be able to do so for you, it’s impossible to eliminate fees completely due to variances in the Interchange Billing Structure. However, merchants who participate in this program, typically see their fees go from thousands to less than $100 per month.

How long has this program been around?

We launched Net Zero Processing Fees in April 2018 but the concept of the program has been around for decades, being used in Europe and at gas stations, departments of motor vehicles, post offices, schools, and courts across the United Stations.

Why do I have to display a sign in my store disclosing the program?

Visa and MasterCard requires a disclosure be clearly visible in the business, a set of rules they established in 2013 to protect cardholders and the integrity of merchants. Not properly disclosing participation in the program violates Visa and MasterCard’s guidelines. As a result, you could be subject to penalties up to and including having your merchant account privileges revoked.

Why can’t I use my existing terminal for this program?

In order for this service to work, the terminal we provide features unique software that allows the cash adjustment to take place. Every customer receipt will show a line item for the non-cash adjustment.


Have additional questions? Contact us: NETZERO@PPLOCAL.COM, 800-717-1250.