US Merchant Credit Card Processing Costs: Zero-Fee Cash Discount Model Announced

Better Payments Solutions recently announced their zero-fee credit card processing program, which is designed to help U.S. businesses reduce or eliminate credit card processing fees.

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The announcement comes at a time when, for many business owners, these costs continue to cut into the value of each sale, particularly as digital payments become more widespread. According to the Nilson Report, U.S. merchants paid $187.20 billion in card processing fees in 2024. While these costs may appear modest at the transaction level, they can accumulate over time and place sustained pressure on business margins, particularly for smaller operators.

To address these cost pressures, Better Payments Solutions has introduced a program structured around a Cash Discount Model that shifts processing costs away from the merchant. Under this model, businesses offer a small discount for cash payments, while card transactions include a minor price adjustment to cover processing fees.

The approach allows businesses to retain the full value of each transaction while maintaining transparent pricing at checkout. According to the company, small businesses using the model report average annual savings of approximately $7,500, with higher-volume merchants potentially seeing larger reductions over time.

In addition, the Cash Discount Model supports a range of business types, from independent operators to higher-volume merchants, and integrates with existing infrastructure. Whether operating a traditional storefront, an e-commerce platform, or a hybrid setup, the program can be implemented without requiring significant changes to current point-of-sale systems.

To support implementation, Better Payments Solutions works alongside POS providers to coordinate setup and provide on-site staff training. Businesses also receive ongoing technical assistance, including access to a 24/7 live support team to help maintain continuity in day-to-day operations.

“With our zero-fee approach, we eliminate credit card processing fees so business owners can hold onto more of their revenue,” said Josh Felts, CEO of Better Payments Solutions. “That means merchants can redirect those savings toward staffing, inventory, or other areas that support long-term growth.”

Business owners interested in exploring the program can learn more at https://quicsuite.myclickfunnels.com/landing-page

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