high rates on merchant accounts hurting your margins?


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.

This 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

1 The Federal Reserve Bank of Boston, “Who Gains and Who Loses from Credit Card Payments” Public Policy Discussion Paper No. 10-03-2010.


For more information please visit www.CardX.com

Zero-Cost Credit is a trademark of Noble Payment Technologies, LLC, D/B/A CardX. Zero-Cost Credit and the copyrighted text on this page are used under license from CardX.

Merchant Surcharging

In November 2012, the United States District Court for the Eastern District of New York preliminarily approved a proposed settlement agreement in the In re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation. As part of this settlement, Merchants in the U.S. and U.S. territories have the ability to surcharge certain credit card transactions beginning January 27, 2013. Merchants who choose to surcharge once the rule changes take place will be required to follow certain requirements, including disclosure of surcharge practices to customers at the store entry point and at the point of sale. To learn more about Merchant Surcharging, please download the PDF below or visit www.visa.com/merchantsurcharging.

 Factors to consider:

  • What will my customers think?
  • What will I need to disclose to my customers?
  • What will my competitors do?


Download PDF

Merchant Surcharging