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Zero Cost Processing

Begin your savings journey with iPay Digital's innovative zero-cost processing initiative. This revolutionary method enables you to shift the transaction fee burden to your customers, resulting in significant monthly savings for businesses like yours.

With our surcharging and cash discount programs, you have the opportunity to reduce your credit card processing costs, thereby boosting your revenue streams.

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Please refer to the example in the table below and sample credit card receipt.

How it works

Interested in understanding how surcharge pricing savings function? Explore the breakdown provided in the table below:

Customer spends $100
Merchant Fees
Customer pays
Surcharge Pricing
Merchant Fees:
Per transaction
Customer pays:
Surcharge Pricing
Merchant Fees:
Per transaction
Customer pays:


Effortlessly shifting the transaction cost burden to your customers enables the elimination of credit card processing fees from your end. A transparent and nominal surcharge appended to each transaction facilitates the recovery of processing expenses, ensuring a seamless and cost-effective payment process.

Cash Discount

Provide your clientele with an irresistible reason to opt for cash payments. Utilize our cash discount program to incentivize cash transactions and further minimize your credit card processing fees.

Dual Pricing

Leveraging Dual Pricing technology, businesses can seamlessly display both card and cash prices at the point of sale, whether it's through their POS, terminal, or gateway.

This innovative system dynamically adjusts prices according to the customer's selected payment method, enhancing the overall customer experience by ensuring consistency between the displayed and receipt prices, thus eliminating any potential confusion.

What Advantages Does Zero-Cost Processing Offer?

Eliminate Credit Card Fees

By effortlessly transferring the transaction expenses to your customers, you can free yourself from covering credit card processing fees out of your own pocket.

We Support all Merchant Types

Ideal for a diverse array of enterprises, whether you run a B2B, B2C, eCommerce, or traditional brick-and-mortar business.

24/7 support

Our support team is available around the clock to address any queries or issues you encounter. Don't hesitate to contact us; we're committed to providing timely assistance and solutions to all your concerns.

Free Terminal

We offer state-of-the-art pre-programmed credit card terminals, providing a seamless plug-and-play solution tailored to your business needs.

Increase Profit Margins

Retain a larger share of your product sales profit and leverage that capital to drive the growth of your business further.

This is The Future

Businesses are increasingly embracing cash discount programs, and customers are becoming more accustomed to this payment method as its popularity grows.

Industries Served


Brick &Mortar


Health Services



We have had great success with the industries above but are not limited to just these.