What is Net Zero Processing Fees™?

Hate paying processing fees? Leave them behind.

Net Zero Processing Fees™ is a payment processing program that rewards your customers for paying you by cash. At the same time, your processing fees are covered by a true cash discount when your customers use any form of payment other than cash.


How It Works

Everything you sell is already discounted to the “cash price.” When a customer pays you by card they pay the retail cost. With this program, two options are available:

  1. True Cash Discount
  2. Net Zero Surcharging

Option 1: True Cash Discount

Your customers are aware of the program in part due to the complimentary signage we provided at sign up (which you have clearly displayed). They are also aware of the program from your price lists or menus (food and beverage industry). If your customers pay by cash, they pay the posted discount price.


Option 2: Net Zero Surcharging

Surcharging is adding a fee to a product or service and it is currently prohibited by state law in: California, Connecticut, Colorado, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, Utah, and Texas. American Express allows surcharging as long as the surcharge fee is assessed equally to their competitors’ credit and debit cards since they are the equivalent of an American Express card. If you opt into surcharging, you must display signage noting surcharging and register with the card brands, below.


If you offer a cash discount program, you don’t need to register with the card brands.

Net Zero Processing Calculator

Stop giving your money away. Every second you procrastinate, you’re losing money! Use our calculator to find out how much you can save.

Why join?

Save Money

Pay virtually $0 on card processing fees and only pay a monthly program fee. In addition, one-time equipment fees may apply on compatible equipment you don’t already own. Contact us for details.

Next Day Funding

Don’t wait long to get paid. Our standard processing terms include next day funding for all approved merchants.

No Hidden Fees

It’s not uncommon for processors to mislead merchants. Our program is straight forward so there’s never any surprises on your monthly statement.

Reward Customers

Customers who pay with cash get rewarded with a true cash discount.

See if You Qualify

Our program is open to select businesses. Fill in your contact information and a member of our team will be in touch to coordinate your complimentary rate analysis and to see if you qualify for our program. As part of the rate analysis, we’ll put together a side-by-side pricing comparison that shows what you’re currently paying for processing vs. how much you’ll save with Net Zero.

Contact Us!

Have questions? We have answers.

How to Reach Us


172 Monmouth St.
Red Bank, NJ 07701

Miami Office
7939 East Drive, Suite 1400
North Bay Village, FL 33141




Business Hours
Monday through Friday
9 am through 5 pm

Saturday and Sunday

Client support is available
24/7 via phone.