Welcome to Zero Fee Credit Card Processing

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Credit Card Processing

For Small to Medium Sized Businesses
Keep 100% of the Sale. Ditch 100% of the Fees.
Point of Sale Systems

As Seen On

A Partner You Can Trust

Since 1990, National Payment Processing has helped over 55k merchants cut fees, protect margins, and grow.

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payments processed
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registered agents across the U.S.
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merchants served nationwide
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How the Zero Fee programs works

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Display Two Prices

Your point-of-sale shows customers two clear prices—one for cash, one for card. No calculations, no math involved.

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Choose and Go

Customers see both prices right on the screen and choose what works for them. Simple, transparent pricing with no added fees.

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Process with Ease

Our system handles everything automatically. Just tap 'cash' or 'card' and you're done. That's all there is to it.

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Same Profit, Either Way

Card prices cover processing costs, cash prices don't. So you keep 100% of your profit no matter how they pay. At month end you’ll have paid 0% + $0.00 per transaction!

You already earned the sale—why tip your processor a few percent extra on every swipe? With NPP’s zero processing fee credit card programs, your listed prices already include the cost of accepting cards. At checkout, customers see their options and choose between a cash price and a card price, so your business pays zero in processing fees on those transactions.

Two simple ways to zero out processing fees

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Sample CD Signage
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Sample Receipts

Good for: Simple signage, fast rollout, and businesses that want one main price everywhere.

Dual price
Dual Pricing Signage Storefront
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Sample Receipts
Good for: Businesses that want full transparency on every item.

Why small businesses choose NPP for zero credit card processing

You have options: Stripe, Square, PayPal, flat-rate processors, and local banks. Most small businesses end up paying an effective rate of 3–7% once all “simple” flat rates and per-transaction fees are added in. NPP is built to eliminate those costs with programs designed specifically for credit card processing for small to medium sized businesses.

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True Zero Fee credit card processing

Stop sharing 3–7% of your revenue with processors each month. Our zero fee, dual pricing, and cash discount options are built to pass costs to card users while keeping your relationship with them intact.

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Best credit card Processing Backup Plan

If at any time the zero fees program doesn’t meet you expectations, we’ll be happy to switch you back to an interchange-plus or flat-rate pricing program that usually beat big-brand effective rates, so you’re still saving.

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Free or Low-Cost Equipment

Terminals, POS, and mobile options for in-store, curbside, and field service payments, without massive hardware buys. This simple step should show how much we are invested in your growth!

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Complete Merchant Services for Small Business, Not Just “Processing”

Access POS, online payments, invoicing, business capital, customer financing, gift cards & loyalty rewards. All under one roof as you grow.

Is Zero Fee processing a fit for your business?

Zero Fee, dual pricing credit card processing works best for the following small to
mid-size businesses where average tickets are over $20 and margins matter.

Restaurants & Cafes

Tip-friendly checkout; clear menu pricing.

Retail

Fast lanes stay fast.

Service & Home Repair

On-site or in-office—wireless terminals & invoicing make it easy.

Salons & Spas

Keep rewards for card customers; offer a discount for cash.

Auto & Repair

Large tickets, larger savings; no awkward add-on fees.

E-commerce & Phone Orders

Apply the same model online with simple settings.

Equipment & POS compatibility

Own your own POS? We’ll check if it’s compatible first. If not, we have the best pos systems for small businesses that want the best credit card processing experience without all the fees.

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POS System

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Wireless

Valor VL100

Countertop

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Online & Invoicing

Your Growth Partner, Every Step Forward

White Glove Setup Service

White Glove Setup Service

We’ll program your equipment so it’s ready to plug in and use immediately.

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Unlimited Staff Training

Our terminals are really easy to use, but did give you the extra peace of mind, we’ll help you and your staff to become experts on your new POS.

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Lifetime Free Replacements

If your terminal fails, and tech support can’t get it up and running we’ll ship out a free replacement at no added cost to you.

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24/7 Stellar Customer Support

Our customer support prides itself in answering your calls in under 10 seconds! Does that work for you?

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Customer Financing

Give your customers more buying power with flexible payment options. Watch your average ticket size grow while building lasting customer relationships.

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Business Capital

Fuel your business growth with access to business capital. When you partner with NPP you get access to special perks: need a merchant cash advance to cover payroll or an SBA loan to expand? We’ve got you covered with Titan Capital.

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Gift Card & Loyalty Program

Boost sales and customer satisfaction with integrated physical or digital gift card and loyalty program features. Right from within your POS dashboard.

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Lightning-Fast Deposits

Whether you prefer Next-Day, Same-Day, or Instant Funding, our merchant services ensure your batches are deposited on your schedule, giving you lightning-fast access to your daily sales.

Frequently Asked Questions

Will customers push back?
Most don’t even notice because there’s no surcharges or surprise upcharges! Card customers see the listed card price and still earn reward points on their cards. Cash buyers see a discount and smile. The key is embedding the cost of accepting payments into your listed price and showing prices up front.
Yes—when it’s implemented correctly. We configure Dual Pricing or Cash Discount with clear displays and compliant receipts. No line item surcharges on card receipts.
Yes. Tips, splits, and refunds work as expected. The terminal handles the math automatically.
Often we can use what you have. If you need an upgrade, we’ll recommend a simple countertop, wireless, mobile, or POS option. All our equipment options are available on our Free Terminal Placement program.
How fast do you need it? We have next day and same-day funding available for most businesses. Need it quicker? We also have instant funding available for a small additional cost.
Yes. We can mirror your in store model online through your gateway so pricing stays consistent.
We supply the free signage and digital assets you need to notify customers clearly at the door and at the register.
With NPP’s dual pricing and cash discount structures, you can include eligible debit transactions on the same zero-fee logic, unlike traditional surcharge programs that only touch credit. That’s a big reason more merchants are moving away from non-compliant “service fees.”
Dual Pricing shows two prices (Card and Cash) everywhere prices are displayed. Cash Discount has one price which lists the card price; cash customers receive an instant discount at checkout that prints on the receipt.

We'd Love to Hear From You!

Tell us about your business and what setup you’re looking for.