Put More Money in Your Pocket with Surcharging.

No matter what other companies tell you, zero-cost credit card processing is not real, and most of them hide fees in the fine print, causing you headaches later. Zenti provides up front honest pricing and 100% of your credit card payments in your pocket. 

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Do You Feel Like You’re Being Taken Advantage of by High Credit Card Fees?

Don’t worry, we have the solution for you. Introducing Zenti Surcharging, the revolutionary payment processing system that allows you to seamlessly transfer credit card fees to your customers, both for online purchases and in-person transactions. Zenti also offers a debit option that is completely fee-free for your customers, ensuring your customers have options and are satisfied with their payments.

By partnering with Zenti, you can wave goodbye to the stress and burden of credit card fees, and focus solely on expanding and developing your business. You’ll be joining a community of thriving merchants who have all adopted this pioneering payment model and are enjoying incredible benefits.

Make the switch to Zenti today and elevated your business to new heights!

Is the Zenti Surcharging Program a Good Fit for My Business?

Surcharging is beneficial for merchants that have high average tickets and low gross margins and whose customers primarily use credit cards compared to debit cards. Here are a few of the industries that we work with that benefit most from our surcharging program. Don’t see your industry on the list? No problem! Reach out to our experts to discuss if surcharging may be a good fit for you.

Gas Stations

Convenience Stores

Liquor Stores

Hair and Nail Salons

Contractors

Outdoor Services

Legal Services

Financial Services

Medical Offices

Accept Payments
Your Way

In-Person

Process credit card payments with no processing fees and debit cards with transparent low pricing in-person.

Keyed & Online

Expand your online reach and increase revenue by adding online payments with surcharging to your business.

ACH

ACH payments aren't eligible for surcharging, but we can still help you accept these payments for a low fee.

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Common Questions About
No Fee Credit Card Processing

Surcharges are fees that a retailer adds to the cost of a purchase when a customer uses a charge/credit card. A surcharge is a percentage of the value of the sale. For example, if a cardholder spends $100 on their credit card for lawn maintenance, the merchant would add a surcharge of 3% to the total charging them $103 for the purchase.

Surcharging credit cards is legal in most states in the United States, but not all. The legality of surcharging varies by state and is subject to regulatory restrictions and requirements.

No! You are not allowed to surcharge a debit card transaction. Funds are debited directly from the customers bank account and should be treated like a cash, ACH or check transaction.

Our solution automatically detects when a debit card is entered and applies no fee.

Yes! You must notify your customers with complaint signage, and the surcharge dollar amount must be present on every receipt. 

Prior to April 2023, the maximum surcharge percentage was 4%. Starting April 15, 2023, Visa dropped the percentage to 3% maximum on credit card transactions. Remember, you can’t surcharge a debit transaction!

Yes! There’s absolutely no credit card fees for surcharging transactions. However, debit cards, ACH and other non-cash payment types will still acquire processing fees. Additionally, your account will still have standard compliance and merchant account costs.

We do have other programs that offer no processing fees on card transactions! Ask our sales team about our Cash Discounting program which can save you fees on all non-cash payments. 

Our team completes each registration on your behalf and we provide you with all necessary signage templates for you to rebrand to your business, keeping customers informed—and keeping you compliant.

Currently, only two U.S. states and one jurisdiction have surcharging restrictions including Connecticut, Massachusetts and Puerto Rico.

No. Surcharging remains prohibited outside the U.S. unless there is a local law or variance that requires merchants be permitted to engage in the practice. 

Why Choose Zenti
for Surcharging?

0% Fees on
Credit Cards

Say goodbye to fees and hello to profits with 0% processing rates on all credit card transactions.

No Early
Termination Fees

You'll want to stay long term for the unbeatable experience, not because of contract breach fees.

U.S. Based
Account Executives

We're based out of the Midwest and so is our support team. We're always happy to help with a smile!

No Processing
Minimum

Unlike other surcharging programs, ours has no minimum processing amount requirements.

Don't just take our word for it...

Here’s What Our Customers Have Said About the Team at Zenti Recently.

My account executive was extremely friendly and helpful! We just set up our account and she was invaluable in the process. She secured my delivery of the credit card machine for me in just 48 hours & I was blown away!
Carl H.Owner
"Hands down the best company to do business with. They give the best rates along with solid customer service and they are trustworthy. They’re always there when we need them! I wouldn’t take my business anywhere else. These guys rock! Thanks Zenti for always taking awesome care of us!"
Steve B.CEO
"This company was wonderful to work with. The representative I worked with (Katherine) was an amazing help and had constant support and responded rapidly to any questions or concerns I had."
Gabe P.Owner

Learn How Much Surcharging With Zenti Can Save You!