Eliminate Credit Card Processing Fees
Our compliant Cash Discount program helps businesses save thousands annually on processing costs. Fully legal nationwide and trusted by retailers, restaurants, and service providers.
Stop Paying Excessive Processing Fees
Most businesses pay 2-4% on every card transaction. These fees drain your profits month after month.
Processing $100K yearly at 3% costs you $3,000 in fees. At $1M volume, that's $30,000 lost annually.
Our Zero Cost Processing eliminates these fees entirely.
How It Works
Simple, transparent pricing that's fully compliant nationwide
Customer Pays by Card
When customers choose card payment, a small service fee (typically 3-4%) is added to their total at checkout.
Fee Offsets Your Costs
The service fee completely covers your credit card processing expenses—you pay nothing.
You Maximize Profit
Processing costs drop to zero. Cash customers automatically get the discounted price. Your bottom line grows significantly.
Cash Discount Explained
Cash payments receive the standard price. Card payments include a small service fee. This dual-pricing model incentivizes cash while ensuring card transactions cost you nothing.
Fully Legal & Compliant
Federally approved cash discount program, legal in all 50 states
Federal Authorization
The Durbin Amendment (part of Dodd-Frank) explicitly permits merchants to offer cash discounts. This isn't a surcharge—it's a legally protected discount program.
Tested & Trusted
Major retailers, gas stations, and government offices use this model daily. Our technology ensures every transaction meets all compliance standards.
We Handle All Compliance Requirements
- Professional Signage: Compliant door and counter signs provided
- Automatic Disclosure: Terminals display fees clearly on all receipts
- Staff Training: Simple scripts to inform customers about cash discount option
- 24/7 Support: Dedicated assistance to maintain continuous compliance
The Mogil Partners Advantage
Trusted payment processing expertise serving businesses nationwide
Eliminate Processing Fees
Cut processing costs to zero. Our clients save between $1,000 and $30,000+ annually based on transaction volume.
No Hidden Costs
Crystal-clear pricing from day one. No surprise fees, no fine print—just straightforward savings.
Customer Friendly
Our clients maintain excellent customer relationships. The fee is clearly communicated and widely accepted.
Risk-Free Compliance
Our systems and support team ensure you stay compliant with all federal and state regulations.
Universal Solution
Works for retail, hospitality, professional services, contractors, and more—both in-person and remote transactions.
Experienced Consultants
Decades of expertise helping businesses across the nation optimize their payment processing.
Perfect for Any Business That Accepts Cards
From high-volume retailers to service providers, Zero Cost Processing works for everyone
Restaurants & Cafes
Retail Stores
Convenience Stores
Auto Dealers
Medical & Dental
Legal Services
Salons & Spas
Contractors
HVAC & Plumbing
Car Wash
Grocery Stores
Professional Services
Frequently Asked Questions
Everything you need to know about Zero Cost Processing
Is Zero Cost Processing compliant in my state?
Yes! Zero Cost Processing is compliant in all 50 states thanks to the Durbin Amendment, part of the Dodd-Frank law. Our software and technology ensure that every single payment is compliant with federal and state regulations.
Does it work with all payment types?
Absolutely. Our services work with credit cards, debit cards, gift cards, Apple Pay, Google Pay, and all major contactless payment methods.
Do I have to notify my customers?
Yes, compliance requires: (1) Clear signage posted at the door and checkout, (2) The service fee amount clearly displayed on the receipt, and (3) Verbal notification that cash payment avoids the fee. We provide all necessary signage and support.
What does Cash Discount mean?
Cash Discount means your business offers customers the ability to pay in cash to avoid the credit card processing fee. If customers pay in cash, they save the processing fee. However, customers with rewards cards often prefer to pay the small fee to earn points and miles.
Will customers dislike paying the fee?
The fee is very small (typically 3-4%), and customers understand it. Many customers with rewards cards actually prefer to pay it to earn points. As more businesses adopt Zero Cost Processing, customers become increasingly comfortable with it. Our clients report excellent customer retention rates.
Get Started in 3 Easy Steps
Start eliminating processing fees this week
Free Analysis
Share your current processing statement—we'll calculate your exact savings potential
Quick Setup
Brief 10-minute onboarding call, then we ship your terminal and signage
Immediate Savings
Process transactions with zero fees and start reclaiming your profits
No obligation. See exactly how much you can save before making any commitments.