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Zero-Cost Credit™
Accept Credit Cards For 0%

For All Merchants

Pass on your full cost when consumers choose credit cards

Receive 100% of the amount of your sale

Pay only for the debit cards you accept

Get Started
THE RULES HAVE CHANGED

New rules allow merchants to add a fee for the use of credit cards. Merchants are not permitted to add a fee to debit cards.

Our patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card before the transaction is processed. Zero-Cost Credit automatically applies a fee whenever a credit card is swiped or entered so that you receive 100% of the amount of your sale.

Zero-Cost Credit increases consumer fairness.

Credit cards cost more to accept than cash or debit cards. Under the old rules, merchants were not able to add fees for the use of credit cards, so they passed on this cost to all customers.

When all customers bear the cost of credit cards, the average credit card user receives a subsidy of $1,133 each year from customers who choose cash or debit.1

COMPLIANCE IS CRITICAL. CARDX IS HERE TO HELP.

The Rule

The merchant must be registered with Visa, MasterCard, and Discover.

The merchant must inform their customers of the credit card fee with appropriate signage at the store entrance (if applicable) and at the point of sale.

The amount of the credit card fee must not exceed the merchant’s cost of acceptance or 4%, whichever is less.

The credit card fee and the price of the product or service must be processed together as one transaction.

The receipt must show the amount of the credit card fee as a separate line item.

The merchant must not apply a fee to debit cards.

Our Solution

Our team completes each registration on your behalf.

 

Our team provides you with all necessary signage.

 

Our team reviews your merchant statement and sets up your account with the right parameters.

Our solution processes the fee and the purchase amount as one transaction.

Our solution produces a receipt that itemizes the fee amount.

Our solution automatically detects card type to exclude debit cards.

Merchants can now use Zero-Cost Credit in:
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming