Zero-Fee Credit Card Processing
for ALL US Merchants

The fee paid to the card-issuing bank on every transaction. This is the largest component of processing costs — typically 1.5–2.5% for rewards cards. It's set by Visa/Mastercard and non-negotiable. However, routing transactions through the right programs (like Cash Discount) can eliminate your exposure to it entirely.

A small fee charged by Visa, Mastercard, Discover, and Amex for using their networks. Typically 0.13–0.15% per transaction. Like interchange, it's non-negotiable and goes directly to the card networks — but it's much smaller than interchange.

The profit margin your payment processor adds on top of interchange and assessments. This is where TrustPay competes — our markup is transparent, flat, and far lower than most processors. If your processor charges 1%+ markup, you're overpaying.

Your true all-in cost: divide your total monthly fees by your total monthly volume. Example: $2,000 in fees on $50,000 in volume = 4% effective rate. This is the single most important number on your statement. Most processors hide it — TrustPay's Cash Discount brings it to 0%.

A monthly fee (typically $7–$30) charged for 'maintaining PCI compliance.' In most cases, this fee is a pure profit center for the processor — actual PCI compliance costs them almost nothing. With TrustPay, PCI compliance is included in your service.

A monthly charge just for generating your statement — typically $5–$10/month. This is a junk fee with no justification. TrustPay does not charge a statement fee.

Charged every time you close your daily batch (typically $0.10–$0.50/day = $30–$180/year). Most modern processors don't charge batch fees. If your statement shows this, you're being nickle-and-dimed.

An extra charge applied when a transaction 'downgrades' from a qualified rate tier. This often happens with rewards cards, corporate cards, or manually-keyed transactions. Non-qual fees can add 0.5–2% on top of your regular rate and are a leading source of billing surprises.

A pricing model where transactions are sorted into 'qualified,' 'mid-qualified,' and 'non-qualified' tiers. Most transactions end up in the expensive mid-qual or non-qual tiers, costing you far more than advertised. TrustPay uses interchange-plus pricing (transparent) instead of tiered pricing.

The most transparent pricing model: you pay interchange + a fixed processor markup. Example: 'Interchange + 0.3% + $0.10.' This means your markup never changes regardless of card type. TrustPay uses this model — you always know exactly what you're paying and why.

When an ACH payment is rejected and returned. Common return codes include NSF (insufficient funds, R01), account closed (R02), and unauthorized (R10). TrustPay's platform automatically handles returns, triggers smart retries for NSF returns, and alerts you in real time.

When a cardholder disputes a transaction and their bank reverses the charge. You lose the sale amount plus a chargeback fee ($15–$100 per dispute). Merchants with high chargeback rates face account termination. TrustPay's 3DS2 and fraud tools significantly reduce chargeback risk — and crypto payments have zero chargeback exposure.

A security protocol that sends rich transaction data to the card issuer for real-time risk scoring. It reduces false declines (cards declined by fraud filters even when legitimate) and shifts chargeback liability from you to the issuing bank. TrustPay includes 3DS2 by default.

Replacing sensitive card data with a random 'token' that has no value outside the payment system. Tokenization is what enables card-on-file for returning customers, reduces PCI scope, and prevents data breaches from exposing real card numbers.