From interchange fees by the issuing banks, to card brand fees, to fees added by the processors, there are several factors that determine the cost businesses incur when accepting credit cards.

However the main culprit for the high cost of card acceptance are the rewards programs offered by the issuing banks, in the form of points, miles, cash-back and the like.

Our Pay Zero program enables you to do what universities and government agencies have long been permitted to do: pass on the fees when customers choose credit cards for convenience or rewards, while still giving them the option to access savings by paying with a check or cash.

Pay Zero is widely viewed as a true win-win for both the merchant and the customer, as this initiative gives your customers the ability to opt out by simply paying with cash or check, while also allowing you to completely eliminate the cost of accepting card payments.

Card-not-present? No problem!

Access all of the Pay Zero benefits with our Sidglo App, your all-in-one system for invoicing, website payments, recurring subscriptions, mobile payments, and much more.