Start processing credit cards for free today!

Every business owner knows that processing credit cards is a necessary evil. Your customers need more payment options, but the fees can be astronomical. Knowing whether you’re getting the best deal for your merchant processing is challenging. The good news is that you can find zero fees processing to give you peace of mind as you provide your customers with the payment options they want.

Start using Xccept today and never shop for rates again. Nobody can beat zero…yup you heard us, zero, as in nothing! You can get free processing when you sign up with us, so stop worrying about who has the best rates and choose the option that doesn’t have any.

  • Keep All of your money
  • Offset 100% of the processing fees
  • Legal in all 50 states
  • Drive more cash sales
Processing Credit Cards

Zero-Cost Credit Card Processing

Join the thousands of other business owners who have found zero-cost credit card processing, and start processing SMARTER. You can handle all the credit card transactions that come your way with no-fees processing no other company can match!

24/7 Expert Live Help

No Monthly Fees

Zero-fee processing will never cost you a dime. You’ll never have to wonder how much your bill will be at the end of the month. It’s a fixed amount with no variable processing fees.


No Batch Fees

Batch out as much as you like; it doesn’t cost a dime. Some companies wait until the end of the day to batch out all credit card transactions. Our zero processing fees solutions allow you to continue this practice.

256-bit EAS Encryption

No Swipe Fees

Never be charged to swipe a card. No minimum purchase is required. Don’t turn customers away because they only have swipe cards and want to buy only one thing. Free processing is the correct answer to give them quality service without worrying about how much money you will lose on the transaction.

No Swipe Fees

No Interchange Fees

Interchange makes up almost 90% of processing fees. With Xccept, you pay nothing. That’s right; no processing fees also refer to interchange fees.

Fraud management setup

No Rate Increases

Your rate is zero, and it will never increase. Signing up for our zero-processing plan locks you in for good. It’s not a temporary offer. It’s how we operate.

Virtual terminal

Next Day Funding

Have your money in your account the next business day. You won’t have to wait to reach a specific amount to cash out. You can access your funds when you need them.

Monthly Processing Volume: 5000
Processing Rate Percentage: 2
Monthly Savings 100

Zero cost credit card processing is real

How can no fee credit card processing be real? It’s simple! With Xccept’s free fee payment processing a small service fee is added to each customer’s purchase and you get the full purchase price for the transaction. The fees for processing the cards come directly to us and we pay all your monthly transactions. When you receive your statement each month, you will always pay zero. Finally, a solution that completely eliminates merchant service fees

Best of all, it’s legal in all 50 states and passed in congress.

We invite you to explore more about zero-fee processing and find out why many companies are making the switch. We’re simplifying the process of accepting credit card transactions. You improve customer service without increasing your costs, strengthening your bottom line.

I’m ready for Zero Fee Processing Read More

Zero Cost Credit Card Processing

Why businesses love Xccept

We know how frustrating it is to get a statement and find higher fees than what was quoted. You will always pay zero. It doesn’t matter if you process $5,000 per month in cards or $5,000,000 per month. With Xccept you get full transparency…see how we compare

Xccept Logo Competition
Terminal 100% Free $29-$59 a month
Processing 100% Free 95%-98% Free
Statement Fee $0/ month $5-$10/ month
PCI Fee $0/ month $6 to $10/ month
Annual Fee $0/ year $89-$149/ year
Contract Term month-to-month 3 to 5 years

No fee credit card processing FAQs

Does my business qualify for zero-cost processing?

Most businesses that want to accept credit cards can qualify for zero-cost processing. At Xccept we work with any type of business.

What is the difference between a cash discount program and surcharging?

Cash discounting provides customers with a discount for paying with cash. This means that the original price is reduced if you use cash. However, with surcharging, the original price increases if you use a credit card. Consult with state regulations on which is the best option for your company or get in touch with us and we can help!


Business Solutions

  • Enterprise Payment Processing
  • Xccept Point of Sale
  • Cash Discount Surcharging
  • Free Fees Processing
  • Integrations

For legal Reasons

Xccept is a registered ISO of PNC Bank, N.A., Pittsburgh, PA -Member FDIC; Woodforest National Bank, The Woodlands Texas; Citizens Bank, N.A., Providence, RI; Wells Fargo Bank, N.A., Concord, CA.

© xccept – All Rights Reserved