Zero-Fee Processing • Instant Payout • Blockchain Settlement

Kill the 3% surcharge. Keep your price your price.

When customers pay with ZeroFee, your processing cost is $0.00. You get T+1 (or instant) payout. We fund rails with transparent cardholder APR & optional membership — not your margin.

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0.00%
Merchant fee on our rail. No equipment swap. No gotchas.
T+1 or Instant
Next-day default; instant optional (fiat or stablecoin) when you need it.
Premium UX
One elegant portal for onboarding, payouts, and compliance — no PDFs.

Trusted by merchants processing millions

Dental+
AutoCare
HomeServ
RetailPro

Think about how much money is being stolen

Between sales taxes and credit card fees, customers pay 10%+ extra on every transaction. That "+3% processing fee" sign at checkout? It's killing your conversions and frustrating your customers.

Old World
$100 + 8% tax + 3% fee = $111.24
ZeroFee World
$100 + 8% tax = $108.00

The product — elegant, end-to-end

A single surface for merchants, a credit program for customers, and a compliance-safe backbone.

See detailed breakdown
Merchant Onboarding
KYB in 3 minutes with automated checks (OFAC, sanctions, PCI scope).
Zero-Fee Acceptance
Detect our BIN and auto-route to $0.00 MDR. Receipts show no processing fee.
Instant Payouts
Default T+1 to bank. Toggle Instant Payout per batch (fiat or approved stablecoin).
Ledger & Audit
Double-entry core + on-chain mirror for payouts; exportable to your GL.
Risk & Reserves
Chargeback radar, rolling reserve rules, dispute center.
State Rule Engine
Dynamic signage & price-posting templates for NY/CO/CT/MA and more.
API at a glance
POST /v1/merchants
  → onboard (KYB)

POST /v1/payouts
  → { mode: "T+1" | "instant", currency: "USD" | "USDC" }

POST /v1/payments
  → accepts card; auto-routes our BIN to 0.00% MDR

GET  /v1/ledgers/entries
  → download double-entry journal

GET  /v1/compliance/signage?state=NY
  → returns state-specific copy & display rules

Simple, fair pricing

Starter
$0/mo
  • 0% merchant fee on our rail
  • T+1 payout
  • Disputes center
  • Email support
Start Free
Most Popular
Growth
$99/mo
  • Everything in Starter
  • Instant payout ≤0.75% (optional)
  • Team roles & SSO
  • Priority support
Upgrade
Scale
Custom
  • Multi-store & routing
  • On-chain mirror & attest
  • Risk APIs & reserves
  • Dedicated CSM
Talk to Sales

*Instant payout fee applies only when you choose instant; T+1 remains $0. Cardholder APR & membership fund economics; merchants are not charged on our rail.

Compliance that writes itself

We keep you inside network and state rules without the usual headaches.

NY
Show total card price. We auto-generate door/menu copy.
CO
Cap credit surcharge at 2% on other rails; ours stays 0%.
CT
No credit surcharges; our signage says "no card fee".
MA
No credit surcharges; our signage says "no card fee".
Regulatory Framework
Full compliance with Reg Z (Truth in Lending), ECOA/Reg B, FCRA, BSA/AML/OFAC, and network rules.
Reg Z Disclosures
APR, fees, and payment terms shown to cardholders at signup
Network Compliance
Visa/Mastercard rules on surcharging and disclosures
State-by-State Rules
Dynamic templates for all 50 states
Blockchain Settlement
NYDFS-style stablecoin safeguards where used

Ready to eliminate processing fees?

Join merchants who are saving thousands every month. No setup fees, no long-term contracts, no hidden costs.

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