Frequently asked questions

Zero fee credit card processing lets merchants accept credit cards without paying transaction fees. Through a cash discount or dual pricing program, a disclosed card price is shown to customers who pay by card, so the business owner pays $0 in processing costs on those sales.

Cash discount programs are permitted throughout the United States when the pricing is disclosed correctly at the point of sale and on receipts. Federal law and card network rules both allow a discount for cash. We provide compliant signage and terminal programming so your setup meets those disclosure requirements.

Cash discounting — offering a lower price for cash — is allowed nationwide. Surcharging (adding a fee on top of a posted price) is the model with state-level restrictions, which is one reason we implement a disclosed cash discount rather than a surcharge.

Dual pricing displays two prices for the same item: a cash price and a card price. The customer sees both before paying and chooses. It is the clearest way to present a cash discount and is what most modern terminals and POS systems print on the shelf tag, screen, and receipt.

A cash discount posts the card price as the standard price and discounts it for cash. A surcharge posts the cash price and adds a fee to card transactions. Surcharge programs carry card brand caps, registration requirements, and state restrictions; cash discounting avoids most of that complexity.

Any small business paying more than about $100/month in card fees can benefit — restaurants, retail shops, salons, healthcare offices, food trucks, and service businesses. The higher your monthly card volume, the larger the savings.

Square and PayPal typically charge a percentage of every sale. Under our zero fee program the merchant pays $0 in transaction fees because the disclosed card price covers the processing cost, and equipment is included with approval instead of purchased separately. Third-party pricing changes over time, so confirm current rates with those providers directly.

Most qualified merchants receive a decision within 24 hours of submitting a complete application. Approval is subject to underwriting and is not guaranteed. Once approved, our team schedules equipment setup and staff training.

A business processing $50,000 a month in card volume at an effective rate near 3% pays roughly $1,500 a month, or about $18,000 a year. Under the cash discount program that cost moves off your P&L. Our savings calculator estimates your own number from your volume and current effective rate.

Yes. You continue to accept Visa, Mastercard, American Express, and Discover, including tap, chip, swipe, and digital wallets such as Apple Pay and Google Pay. Nothing changes about which cards your customers can use.

Restaurants can operate a compliant dual pricing or cash discount program, and many do. The requirement is clear disclosure — menu and signage language, a card price shown before payment, and an itemized receipt. We supply the signage and program the POS so the pricing is presented correctly.

You need a terminal or POS that can display and print dual pricing. Most current terminals and POS platforms support it. Equipment that can handle the program is provided at no cost with approval.

Often yes. If your hardware is compatible with our platform we reprogram it for dual pricing rather than replacing it. If it is not compatible, replacement equipment is included with approval.

Next-day funding is available for most merchants on batches closed before the daily cutoff, with weekends and bank holidays settling on the next business day. Funding timelines depend on your bank and underwriting profile.

They pay the lower cash price. The discount is applied at the register automatically, and the receipt shows what they saved. Many merchants see a modest shift toward cash, which reduces card volume further.

In practice most do not, because the pricing is posted up front rather than added as a surprise at checkout. Fuel retailers have used cash pricing for decades. We provide signage language and staff scripts that keep the conversation simple.

Yes. Online checkouts, payment links, and invoices can display a card price with the cash or ACH alternative disclosed before the customer pays. ACH is often the better zero-cost option for larger online invoices.

No monthly fees, no statement fees, no batch fees, and no PCI fees under the program. Third-party costs such as chargeback handling are disclosed in your merchant agreement before you sign.

No. There is no long-term contract and no early termination fee. If the program stops working for your business you can leave.

Business formation details, ownership information, a voided check or bank letter for funding, a government-issued ID for the signer, and a recent processing statement if you already accept cards. The statement is what lets us quantify your savings.

Underwriting includes identity and credit verification on the business and its principals, which is standard for merchant accounts. Past credit issues do not automatically disqualify a business.

Tell us up front. Some industries require specialized underwriting, additional documentation, or reserve terms. We would rather set correct expectations during the application than have an account frozen later.

We stage the new setup, program dual pricing, train your staff, and keep your current account active until the first successful batch on the new account. Migration is free and typically happens without closing your business.

Every approved merchant receives the complete Tasskel business platform: Connect (omnichannel inbox), Mail, Scheduling, Sales CRM, Customer Success, Operations automation, Commerce storefronts, and Hiring — all in one secure workspace.

No. The full Tasskel platform is bundled with your merchant account at no additional charge — no per-seat pricing and no add-on modules.

In many cases yes. If your equipment is compatible we reprogram it; if not, our Free Equipment Program provides new terminals at no cost with approval.

US-based support 7 days a week by phone, plus onboarding help with signage, terminal programming, and staff training. Your Tasskel workspace is provisioned as soon as your account is live.

Tasskel Pay serves US-based businesses with US bank accounts. The cash discount program is built around US card network rules and federal disclosure requirements.