New Rules. New Solution.

Accept credit cards at 0% cost.
Seamless Transactions.
Achieve 100% compliance.

When you sell $100, you get $100.

Accept Credit Cards

When customers choose to pay with a credit card, the customer is informed of the fee amount, and always gives the option to pay with a no-fee method. You receive 100% of the amount of your sale with credit cards.

Accept Debit Cards

When customers choose to pay with a debit card, they pay no fee, keeping you compliant. Your customer always has a no-fee payment option. To comply with card brand rules and State laws, our Zero-Cost solution automatically detects when a debit card is entered and applies no fee. You pay only the low cost of debit card acceptance (1%).


Where Zero-Cost is legal, there's a 100% compliant solution for every way you accept cards.


Merchants can swipe or insert their credit or debit card

In-Office / Over Phone

Complete an order in just a few clicks. No equipment is required, no software install, no special expertise needed.

Online (ECommerce)
Customers pay seamlessly on your website, without being redirected away. 

Zero-Cost is Used by Leading Companies

  • “Before we learned about Zero-Cost Processing, we were reluctant to accept cards due to the high cost. With Zero-Cost, customers simply use a credit card and I get the full sale amount deposited to my account the next day.

    Zero-Cost really takes all the complexity out of accepting cards.

    They even ship us more paper for receipts at no cost whenever we ask! Everything has worked so well that we're starting to use the solution at a second location this month.””
    California Granite & Flooring

Pricing: No upfront cost and no term contract

Card Acceptance Pricing

Sell $100 on a credit card, receive $100 in your account

You Pay: 0%
Your Customer's Fee: 3.5%

Sell $100 on a debit card, receive $98.75 in your account

You Pay: 1% + $0.25
Your Customer's Fee: 0%

Technology Pricing


Custom Terminal with EMV Quick Chip: $35 / month

High-quality hardware isn’t free, but our terminal pricing saves you up to 33% compared to a lease. Best of all, unlike a lease, there’s no long-term commitment: if you ever want to go back to paying credit card fees, you can return our terminal at any time without penalty.

In-Office / Over Phone

Virtual Terminal: $0/ month

Online / Ecommerce

Lightbox: $0/ month

Fair for Everyone

The Problem With Card Processing Today

Unless businesses pass on the credit card fee, they have to either raise prices across the board—harming customers who pay with cash or debit—or accept a lower profit margin on credit card sales.

Why Zero-Cost Processing?

Zero-Cost allows customers to pay the fee if they choose a credit card for convenience or rewards, or to use a low-cost debit card with no additional fee.

Businesses That Have
Great Success With Zero-Cost

Auto Dealers & Auto Warranties
Auto Mechanics & Repair
〉Auction Homes
Bail Bonds
B2B Wholesale Distribution
Bail Bonds
〉Carpet Cleaners

Cosmetic Surgery
Emergency Home Repair
Financing Companies
〉Gun Shops
Heavy Equipment Rentals
Insurance Companies
〉Landscaping Companies

Marina and Boat Repair
Pawn Shops
Plastic Surgeons
Quick Serve Restaurants
Software Companies / Subscriptions
Tow Truck Companies
Union Shops
Veterinarian offices

No one understands compliance better

We make sure you are on the right side of the law and not violating state laws – avoiding the chance you get in trouble with card brand regulations and your states Attorney General.

Zero-Cost processing is available in 46 states plus the District of Columbia.
Zero-Cost processing is not yet available in CO, CT, MA, and KS.
Zero-Cost processing is available in Maine and New York, and additional terms apply.

Sign Up For Zero-Cost Processing

Keep 100% of your credit card transactions with 0% processing fees, while still providing your customers with the option to choose debit for a no-fee payment option. With Integrity Pay, your customers will have the power to select which card option is more convenient or beneficial to them.

Apply Now

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