Taking payments should not cost you money.

Our Payzero program allows you to pass the fees along to your customers, rewards them for using cash instead of credit cards, and reward you for every dollar of credit card payment you process.

SAVE MONEY & GET REWARDS. IT’S THAT SIMPLE.

For many restaurants, accepting credit cards is a necessity for convenience and increasing sales, yet it comes with a significant cost due to processing fees. The actual amount a restaurant loses to these fees can vary widely, typically ranging from 2.4% to 7% of each credit card transaction. How much you pay per transaction shifts based on the type of credit card used by customers, your restaurant's chosen processing service company, and various hidden fees that may not be immediately apparent.

These hidden fees can include monthly service charges, transaction fees, and even penalties for not meeting a minimum number of transactions. As a result, while credit card payments offer undeniable benefits for customer transactions, they also pose a substantial cost to your restaurant's bottom line. There is a way that not only encourages customers to pay with cash instead of by credit card, but also provides you with a locked in flat processing rate as well as rewards earned for every credit transaction you process.

GET THE STEP BY STEP
ON LEGAL CASH DISCOUNT & SURCHARGE.

SURCHARGE AND CASH DISCOUNT

A surcharge is a fee added when a customer chooses to pay with a credit card, intended to cover the credit card processing costs. This means the listed or advertised price is for cash payments, and paying with a credit card adds an additional cost. On the other hand, a cash discount program offers a reduced price for customers who pay with cash, effectively waiving a service fee or surcharge that is included in the standard price for those paying with credit cards.

Not all states allow surcharge programs, or have special laws and limitations on how surcharge programs can operate. Limitations to how much of a surcharge percent can be charged, requirements for signage, and aspects of book keeping can change state to state just to name a few. However, even in the states with the most complex and rapidly changing laws, the Payzero cash discount program is a viable solution to stop you from constantly losing money on credit card transaction fees.

PAYZERO SAVINGS

The Payzero program is the solution for restaurants looking to reduce their expenses on credit card processing fees. By implementing two distinct pricing structures, Payzero enables restaurants to pass the cost of credit card processing directly to customers who choose to pay with cards, while incentivizing cash transactions. This not only helps restaurants save money by shifting the burden of processing fees to customers opting for credit card payments but also encourages more cash transactions, further minimizing the restaurant's overall processing fee expenses.

PAYZERO IMPLEMENTATION

The Payzero program is the premier choice for implementing a cash discount program, thanks to our comprehensive research and extensive experience in the field. We ensure that our cash discount strategy is executed within the legal framework, effectively sidestepping potential fees or frustrations that can arise from non-compliance. Our expertise not only guarantees a smooth and lawful implementation but also positions Payzero as a trusted partner for businesses aiming to maximize their savings on credit card processing fees while adhering to all regulatory requirements.

PAYZERO REWARDS

With the Payzero program, every transaction saves you money and earns you rewards, turning your everyday business operations into a rewarding experience. Our exclusive rewards system includes benefits such as menu design, digital menu hosting, comprehensive print services, web hosting, and a plethora of other rewards. With Payzero, we believe that conducting business should be a rewarding endeavor, not one that incurs unnecessary penalties. Our program is crafted to ensure that you're rewarded for your loyalty with tangible benefits that support and grow your business.

DON’T GET POACHED BY A CREDIT ROACH

The fact is that you might be already stuck with a credit roach. A processor that promises you a world of lower than normal process rates and then sticks you with half a dozen fees. The fact is that the credit roaches of the world will promise you rates that nobody else can match but then stick it to you on your credit statement. You might be with a roach if you see the following on your monthly statement:

  • Monthly Minimum Fees: Charges applied if your transactions do not meet a certain volume or value threshold, suggesting you're paying extra when business is slow.

  • Statement Fees: Charges for the delivery of your processing statement, which could be considered unnecessary or excessive.

  • PCI Compliance Fees: While PCI compliance is crucial, some processors might charge high fees for this service, or the fees might be hidden rather than transparent. We take care of this for free, why don’t they?

  • Batch Fees: Fees charged every time you settle a batch of transactions, which could add up without clear initial disclosure.

  • Annual Fees: General fees charged annually that may not be directly related to your transaction volume or processing services.

  • Early Termination Fees: If these fees are not clearly disclosed at the outset, finding them on your statement can be a sign of hidden costs associated with ending your contract early.

  • Miscellaneous "Service" or "Handling" Fees: Vague descriptions for services can often be a red flag for hidden fees.

Don’t just take our word for it.

We work hard to earn our 5 - Star reviews by working hard for our clients. We always do right by our customers and it shows.

HOW DOES PAYZERO WORK?

Our system reviews your needs, works with you to set ideal prices, creates the needed digital and print content, and we set up your cash discount system for you. As you process you gain rewards that improve the operation of your business and your visibility to your customers. We navigate the legalities so that you don’t need to ever worry about regulations or fines.

  • A expert comes to learn about your business, reviews your prior processing, or looks at your future plans to help you craft a profitable program.

  • We make sure your program follows all state and federal laws, we provide you with the tools you need for starting the program, and we estimate how much you can save before you sign on.

  • Digital menus, print menus, table tents, and programming your point of sales system so that your Payzero program is automated. We not only train you on how the program works, but we train your staff on how to use the point of sale.

  • Your customers who choose to pay with credit card pay the flat processing fee, our system calculates your daily and monthly saving, and we build rewards into every transaction. Web pages, menus, and more can be a part of your ongoing support.

  • Your customers who choose to pay with credit card pay the flat processing fee, our system calculates your daily and monthly saving, and we build rewards into every transaction. Web pages, menus, and more can be a part of your ongoing support.

  • We know that running a restaurant takes all of your time. So every now and then we will check into see if there is anything you need. From paper reorders to new seasonal menus, it is all a part of the Payzero Progam.

Rewards with every transaction

Free Menu Design

We have a dedicated graphics design team to make logos, menus, and marketing materials for you.

PCl and Charge Back Monitoring

We don't charge you to make sure that your money
stays in pocket. We provide free PCl compliance and
track your chargebacks so you can keep every dollar.

Print Services

Need more than a web page and digital menus?
We offer print services as well. From table tents and menus to banners and signs.

Make an Impact

Your processing dollars also helps with local and international charities to make a difference. From local non-profits to global environmental impact groups.