Live · 2,431 U.S. merchants onboarded

Stop paying 3% on every swipe.

We set up local U.S. businesses on a payment system that processes credit cards at 0% to you — every month, forever. Free equipment. No contract. Full setup handled.

See If You Qualify· 60 sec→Watch It Work →

No credit pullNo contractFree POS hardwareLive in 5–7 days

your rate

$0.00 / month

you keep

100% of every sale

processing rate LIVEsince day one

Live Counter

Real numbers from real merchants on Zero Swipe.

$0.0M

Saved to date

Merchants live

0.0d

Avg. time to live

Watch the money flow

See where your $3.10 actually goes.

Flip the switch. Same $100 sale, two completely different endings for your bank account.

Click to compare

SMART TERMINAL

9:41 Connected

Settled

$96.90

Fee: −$3.10

The route your $100 takes

POS

PROCESSOR

YOUR BANK

Visa · MC · Processor

−$3.10 gone

● $3.10 has left your account

YOUR ACCOUNT

Available balance

$12,446.90

RECENT

9:38Card sale

+$56.40

9:34Card sale

+$42.00

9:41Card saleNEW

+$96.90

9:41Processing fee

−$3.10

WHAT THIS WILL COST YOU

−$1,116 / yr per $3K weekly

Customer paid

$100.00

every time

Lost to fees

−$3.10

gone forever

You receive

$96.90

96.9¢ on the dollar

The problem

Processing fees are eating your margin.

The average local merchant gives up $1,200–$8,000 per month to Visa, Mastercard, and their processor. That's a full employee. A new piece of equipment. A vacation. Gone — every month — to a line item most owners just accept as "the cost of doing business."

It isn't.

Where every $100 sale actually goes

The real anatomy of a swipe

Industry average

You keep $96.90

Interchange$1.80

Assessment$0.40

Processor$0.90

You lose $3.10 of every $100

The solution

What "0% processing" actually means.

A fully compliant cash discount / dual pricing program already used by 100,000+ U.S. merchants.

You keep 100% of every sale.

Your customers see two prices at checkout — cash and card. The small card-fee difference covers your processing. Full ticket hits your bank.

Fully legal in all 50 states.

We handle compliant signage, receipt language, and disclosures. Standard since 2018 — same model used at every gas station in America.

Customer-tested. Real-world proven.

98% of merchants report zero pushback. The ones who care pay cash. Win either way — your margin is no longer optional.

How it works

From "interested" to 0% fees in under 7 days.

Qualify in 60 seconds.

Answer 5 quick questions so we know we can help.

Free POS hardware shipped.

Countertop, full station, handheld, or virtual terminal — picked for your business.

We handle the switch.

Underwriting, setup, signage, staff training. You don't lift a finger.

Process at 0%. Day one.

And every single day after that. Watch your margin come back.

Lifetime savings calculator

The real number isn't $3 a swipe.
It's what you lose over a career.

Drag the slider. Pick a time horizon. Brace yourself.

Over 10 years, at this volume, you'll lose

$186,000

≈ $18,600 / year≈ $1,550 / month≈ $52 / day

Your monthly card volume

$50,000

Time horizon

10 years

That $186,000 could have been

1×

Second location buildout

3×

Full-time employees for a year

5×

Family vacations of a lifetime

With Zero Swipe

Keep every penny of your $186,000 in processing fees in your business.

Start Qualification →

What you get

Everything. Bundled.
Free to start.

One stack to run your storefront, online store, and back office. Picked, shipped, and switched on by us.

Smart POS hardware — countertop, full station, handheld, or virtual
In-store + online + phone payments in one dashboard
Real-time inventory & reports across every channel
Employee management + shift tracking
Gift cards + customer loyalty built in
24/7/365 U.S.-based support — real humans
Month-to-month. No long-term contract. Cancel anytime.
White-glove migration from your current processor

Built for local businesses like yours.

Don't see yours? We work with any business processing $5K+/month.

Retail & Convenience

12,400+ merchants

Restaurants & Bars

Highest-volume vertical

Salons & Barbershops

Tip-friendly setup

Auto Repair

Quotes + invoicing

Pet & Veterinary

Recurring billing

Professional Services

MOTO + invoicing

Already taking cards?

Stuck with another processor? We'll handle the switch.

Where last quarter's new Zero Swipe merchants came from:

28%

Square

Block, Inc.

17%

Toast

Restaurant-first

14%

Stripe

+ Shopify, Lightspeed

12%

Clover

Direct merchant svcs

10%

Heartland

Global Payments

19%

Chase, Bank-of-America, PNC

& other bank-owned processors

vs Square

+$1,860/mo

avg merchant savings

vs Toast

+$3,240/mo

avg merchant savings

vs Stripe

+$1,420/mo

avg merchant savings

vs Clover MS

+$2,180/mo

avg merchant savings

Keep 100% of your money and switch to Zero Swipe today→

We cancel your old contractWe reimburse early-termination feesZero downtime — switch over a weekend

Customer story

"We were paying around $2,800 a month in processing. Switched to Zero Swipe on a Tuesday, live by Friday. Zero customer complaints. We're putting that money into a third location."

Marisol Rivera

Owner · Cafe Onda · Austin, TX

"$1,400 / month back in the till. No customer ever asked."

Dan H.Bowman's Hardware

"Switch took 4 days. Support actually picks up."

Priya S.Roselle Salon

"Felt too good. It isn't. Three months in, still 0%."

Mike K.Westside Auto

FAQ

Real questions, real answers.

Yes — in all 50 states. We use a compliant cash discount / dual pricing structure that's been the industry standard since 2018.

98% of merchants we onboard report zero pushback. Customers see the same dual-pricing structure at gas stations every day.

There isn't one for you. The card-using customer covers the processing fee — same as they're already used to paying.

Most merchants are live in 5–7 business days. We handle underwriting, setup, signage, and staff training.

No. Month-to-month. Cancel anytime, no early termination fees. The hardware is yours to keep.

We can often migrate your menu, inventory, and customer data. Mention your current setup in the qualification form and we'll handle the rest.

Last call

See if you qualify.
Takes 60 seconds.

No credit pull. No commitment. No call until you say so.

Start Qualification →

Stop paying 3% on every swipe.

See where your $3.10 actually goes.

Processing fees are eating your margin.

What "0% processing" actually means.

You keep 100% of every sale.

Fully legal in all 50 states.

Customer-tested. Real-world proven.

From "interested" to 0% fees in under 7 days.

Qualify in 60 seconds.

Free POS hardware shipped.

We handle the switch.

Process at 0%. Day one.

The real number isn't $3 a swipe.It's what you lose over a career.

Everything. Bundled. Free to start.

Built for local businesses like yours.

Stuck with another processor? We'll handle the switch.

Real questions, real answers.

See if you qualify.Takes 60 seconds.

The real number isn't $3 a swipe.
It's what you lose over a career.

Everything. Bundled.
Free to start.

See if you qualify.
Takes 60 seconds.