Save Your Business Money with


  • Save on Interchange Costs
  • Reward Customers for Paying with Cash
  • Reduce Credit Card Fees
  • Stay Compliant with the Associations
“Using a surcharging program is the best thing that has happened to my business. The high cost of transaction fees was killing me and eating into my bottom-line. I needed something better. The surcharging solution is easy to use and saves me thousands of dollars every year. I receive my funds and I am very happy overall.”

Gary M – Auto service

Why Switch to Zero Cost Credit Processing?

With Zero Cost Credit, you pay 0% on credit transactions

This payment solution is saving merchants in your industry thousands of dollars per year in Processing fees.


Save Costs

Accept all credit cards at 0%. Our Zero Cost Credit solution is saving merchants thousands of dollars per year in processing fees.


Fair Payment Flexibility

Your business only pays for the Debit card transactions, giving you a no fee payment option for Your customers.


No Guess Work

Zero Cost Credit technology ensures 100% Compliance with all state and federal laws.


Take Payments Your Way

Process payments at the counter, back-office, mobile and online with Zero Cost Credit.


Take control of your business finances with Credit Card Surcharging today!

Keep Building Your Business


  • Pay 0% on all Credit Card Transactions
  • Eliminate transaction fees
  • Help your customers lower costs.
  • Increase cash sales
  • Reward cash paying customers with cash discounts
  • Reduce Interchange Fees
  • Virtually Eliminate 80%-90% of Interchange Fees
  • Control your Processing Costs
  • Retail, Salons, Restaurants, Service, and B2B
  • Simple to Use
  • Easy to use terminals, mobile and integrated solutions
  • Safe and Legal

Surcharging FAQ

Recent changes to interpretation of the law in Florida Courts makes surcharging legal in Florida.

No matter your preference, we have the solution.

Businesses no longer have to bear the burden of processing fees.

Accepting credit cards is a necessity in today’s world. The cost of processing high ticket transactions on a credit card could be putting a serious dent in your profits.  Is surcharging an option for your company?

In January of 2013, Visa and MasterCard updated their operating regulations to allow merchants to pass the costs of accepting credit cards on to their customers. This pass-along cost is called “surcharging” or a “checkout fee.”

What is Surcharging?

The practice of offsetting processing fees, surcharging,  for the privilege of using credit cards is already commonly used in many countries and in 2013 surcharging became legal in the U.S. Until recently, some states, including Florida, have prohibited surcharging.  Although Florida Statutes currently prohibit surcharging, the US Supreme Court has determined that Florida law is unconstitutional based on the freedom of speech.  In 2013, new rules enabled businesses in America to do what universities and government had long been permitted to do, pass on the fee when customers choose credit cards for convenience or rewards.

More options for your bottom line

Pass on the cost associated with credit card processing…with 100% compliance.  Ask yourself, is it good for your business?  Will your customers give you push back? Costco only allows one type of credit card from their customers to control their costs. Giving your customers an option to pay with a lower cost alternative is a win-win.

  • No long term contracts
  • No termination fees
  • No Cost Equipment*
  • Mobile Acceptance
  • Virtual Terminals
  • Online integration
  • Seamless reporting

*Minimums may apply

Don’t pay for someone’s SkyMiles!

Whether a customer is trying to get more perks from their payment or just received an upgraded card from their bank, accepting credit cards isn’t cheap. Don’t get stuck with the bill for someone’s SkyMiles and give an incentive for them to use a lower cost form of payment.

Let Us Know How We Can Help!

Card Systems understands that every business is unique, which is why we take a consultative approach to finding just the right solution for your processing needs.

We know your business is more than a credit card transaction which is why we offer additional products and services that streamline your business process and add value to you and your customer’s experience. Personalized service means that you’re more than just a number to us and you are our partner in business.

Whether you’re just getting started or have been in business for decades Card Systems can offer endless benefits to you and your customer base.

Need to streamline your payment process?
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Credit Processing Solutions that fit your business!

Terminal Processing

Our state-of-the-art terminals will securely accept any form of payment.

POS Processing

Our systems let you take payments from behind the counter or out on the floor.

Mobile Processing

CSI mobile solutions let you accept credit card payments on the go.

Finance Options to Help you Grow

80% of your clients put off a project due to cost. Turn more estimates into jobs by offering in-house financing. Obtain funding to complete projects.

Get Paid Faster

Accept payments on the spot with a mobile device. Offer electronic bill presentment & payment to keep the job rolling. Create an automated payment plan.


Give Your Clients Options

Make it easy to approve change orders online or through a mobile device. Deposits can be made on your site after hours.


Customer Finance Options

Increase jobs and your average ticket by offering consumer financing or same-as-cash options.

Data Tools that Keep you Moving

Notify customers of deliveries or job progress with our powerful billing, invoicing, and collections applications.

Manage Field Employees

Create accountability with apps that track location and time. Attach photos and signatures with your change orders.

We have the solution to saving money!

Checkout with POS

Restaurant Point of Sale

Curb to Kitchen seamless integration that supports online menus, digital menus, pay at the table, and more.

Checkout with POS

Retail Point of Sale

Manage inventory, pricing, stock management from web to store, wireless payments and more.

Checkout with POS

Commercial Point of Sale

Accept payments on site, on the road, online, B2B, and integrate with all your inventory and analytics tracking.

Learn More about Gift cards

Gift Cards

Increase Ticket Amounts
Build Brand Awareness
Increase Repeat Purchases

Loyalty Cards

Loyalty Reward Programs

Encourage repeat business
Combine with gift cards