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Zero Fee 123Zero Fee 123
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Payment Processing

Unlimited credit card processing for as low as $10/month.

Process Mastercard, Visa, Discover, American Express, Debit Cards, Apple Pay and more.

No Contracts | No Setup Costs| No Hidden Fees

Save Money on Credit Card Payment Processing

Zero Fee 123 is a revolutionary payment processing solution that has helped over 100,000 business owners in Michigan and across the nation save money on one of the more costly aspects of running a business: processing credit card payments. Eliminate processing fees and increase your bottom line with Zero Fee 123. 

In a recent study, for the average business eliminating credit card processing fees can account for a 30% increase in profits! What could you do with an additional 30%  profit?

 

If increasing your profit is not enough, our systems save you time, increase your efficiency and improve your customer experience.

When you call our customer service department you talk to a real person, in the U.S. who can help you on the first call. No waiting on hold and no getting transferred from person to person. If you have had to call into customer service in the past, imagine how much time that would save you.

Our system has dozens of fraud detection flags set up to protect you. The majority of fraud come from employees and there are new threats every day. We keep up to date so you don’t have to worry, you’re protected. One loss can add up to thousands of dollars and we’re looking out for you, saving you money.

Our staff is monitoring how you do business. A simple change like a new employee who doesn’t follow rules can cost your thousands of dollars. We can see trends and if we notice a procedure change we will notify you so you can keep your money in your pocket.

Your sales agent is an efficiency expert. We work with thousands of business owners and see the new trends. We have seen what works and what does not. Often a simple system that is overlooked like adding a customer ID button to your payment page can save your business thousands of dollars.

We work with several POS providers that are independent. We prefer to work with independent providers so you have the freedom to change credit card providers at any time, without being married to them because they provide your POS system. We have chosen partners who are innovative like us. For example one of our POS systems integrates Uber Eats, Door Dash and all the other food order gather / delivery services. That way instead of monitoring several tablets for orders each day your staff can focus on doing their jobs. The orders are automatically entered in the POS and a ticket is printed up in the kitchen. Say goodbye to human error entering the wrong info or forgetting to enter an order. This feature alone can save your business thousands of dollars.

You may be surprised at how we can help your business even if you never become a customer. Contact us today to learn more.

How it Works

Zero Fee 123 provides a no-cost credit card payment processing solution where the fees are passed to your customers automatically at the point of sale.

Customers have the option of taking advantage of a cash discount or acknowledging the charge for paying with a credit or debit card. When paying with a card, your customers will see the charge as a line item on their receipt, following Visa rules and guidelines.

It’s as simple and seamless as that. Processing is unlimited and deposits are made the next day.   

You’ve seen it at gas stations for over a decade, your competitors are already doing it, why are you waiting??

What Zero Fee 123 Provides

Zero Fee 123 will provide the appropriate terminal for your business. We have a variety of payment terminals for brick and mortar stores as well as online and mobile processing solutions.

Along with the terminals, you’ll be provided the required signage informing customers of our program.

Zero Fee 123 also provides world-class, 24/7 sales support, as well as help navigating the transition to your new payment processing system to ensure success.

Industries Served

Zero Fee 123 is proud to be the ideal solution for thousands of businesses throughout the Midwest, including restaurants, HVAC, medical practices, auto repair shops and more. Industries best served by Zero Fee 123 are those that process a minimum of $3,000 in card payments monthly.

Credit Card Payment Processing.

Frequently Asked Questions

How does it benefit me? You’ll save hundreds, even thousands, each and every month!

How much can I save? How much do you pay right now? Take that number minus $10 and that is how much you can save. Here is a sample of one of our statements. Click Here

How much does it cost? Plans start at $10/month for unlimited payment processing.

Will I lose customers?  We can confidently say NO! We’ve been doing this since 2011. In 2018 we processed $76 Billion dollars in transactions. More than 20% of all business’s in Michigan are using some type of pass on the fee program. We have signed up over 100,000 customers on month to month agreements and if it wasn’t working we would have lost them. Bottom line is you will have a few customers ask about the program, the one customer that always complains will have something new to complain about, and the only real change will be that you will have eliminated your credit card processing fees.

Why do you charge 3.99%? Most merchants have no idea how much they are paying. Did you know you, the merchant, pay the 4% cash back rewards on top of your processing fees? We have a 5 year guarantee that your customers will not pay more than 3.99% and if the cost goes over 3.99%, we will not pass on the extra costs to you. Some of our competitors try and trick you with a lower fee, and you end up paying the difference. Click here for more details: Less that 3.99%

What support is offered? Three levels of 24/7 sales support is provided to all customers. Call our office, call the help desk or call your agent. 

Is it legal? Yes, cash discount programs are legal for all card types, all transaction types and in all 50 states. The Durban Amendment made Cash Discount legal in 2011 – see for yourself here: Durbin Amendment

Is there a long-term contract? No, along with no risk obligation, set up or start up fees. Worried it won’t work for you, give it a try with no risk.

Can I do it myself? Technically yes, but there are over 60 governing bodies, including the IRS that are policing they program. Visa alone has so many rules that are literally changing every few weeks it’s easier to have a third party manage the process for you. Here are just some of the major Visa rules: Why merchants need a 3rd party to administer their program copy

Who can do it? Not every credit card processor can provide this service. This is a new program and some think they can. The program is so new that a lot of processors are not even aware that there are patents on the program. Others simply don’t care and are trying to work around the patents. Do you want to work with someone who is unaware or trying to cheat the system, or do you want to work with the people that started the program in 2011? We have THREE Patents on Cash Discount. If they say they can, ask if they can prove it.

Do we have competitors? Yes, our competitor, Surcharge is offered through most processors, and sold disguised as a Cash Discount program. Surcharge is very limited, they cannot process all card types, all transaction types or in all 50 states.  If you are on a surcharge program and process Debit cards, you are in violation. As of January 2020 there are still six state that restrict and DO NOT ALLOW surcharge. Here is a comparison:  Surcharge Vs Cash Discount

Why choose Zero Fee 123?  We have been in the business since 2006, we have been doing some form of the pass on the fee program since 2011, we are agents for the registered patent holder and we have made mistakes early one and learned from them. Be careful who you work with, even if its your current provider. We are the leaders in the industry for Cash Discount because of our long term experience. We know how to assist your business with the transition. We know how to train you, your staff and your bookkeeper. We have the equipment, software, gateway and POS that is proven to work.

What do organizations like the ACLU think of Cash Discount? – They are in support of it because it creates a level playing field for all consumers. Now consumers who do not qualify for a credit card and the reward points that come with it, don’t have to pay extra fees for everyone else who does.  Click here to learn more

Who pays for the Rewards when a customer uses a rewards card? – You, the business owner pay for the Rewards. If your customer is using a Capital One 4% Cash Back card. You are paying that 4%!!! As competition heats up, more cards are offering more rewards and your costs are going up! Even worse, you have no control. It’s not fair that you’re paying for your customers to go on vacation. Now you can take the power back. Learn more here

How do I get started? Set up a consultation call with your independent specialist HERE.

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Is Zero Fee 123 Right for You?

How important is it to stay in touch with your customers?

Covid 19 Updates 

Right now its more important than ever to be in touch with your customers. As restrictions change, you need to inform them how to do business with you and what you are doing to keep them safe.

How do you stay in contact with your customers now? If you have a yard sign or a sign in your window, hoping your customers see it when they drive by, you’re in trouble because your customers are in quarantine.

Social media is an option, but only 16% of the people that like your page can see your post due to Facebook algorithms.

Email is an option, but only 50% of emails are opened within the first 24 hours and the definition of opened can be when someone is scrolling through email previews and deleting them without reading them.

When you send a text, 99% of the people you send it to will open it within the first five minutes!

What other contact for can you use that guarantees 99% of the people you send it to will view it within five minutes??

This same communication can be used with your employees to inform them up updates. Just this week a lot of essential business have required their staff to take their temperatures every day before they come in to work. Remember, 99% of the texts you send will be opened within five minutes of you sending them, so you know your staff received it and can keep your business safe.

Business’s that have had text messaging set up before the crisis have a distinct advantage over their competition right now. We have one restaurant that had their busiest Sunday every, and their dining room was closed. We can show you how to use the same techniques they used to help your business survive.

Our program is usually $199 a month and we have reduced it to $99/ month for 5,000 SMS text messages to help business owners during this difficult time.

The program has a $499 one time set up fee that we have reduced to $99, again to help assist our customers during the crisis. The set up fee is to help us to create your back office portal as well as our marketing department to create all the pdf and jpeg digital signage you need to print off.

There are some additional costs if you go over your 5000 texts or if you use MMS texts (photos and emojis).

We have negotiated your first 90 days for FREE with a six month contract to help you get through this difficult time.

Don’t forget we also have the Free 4 Life program… for each referral that signs up, SenText will permanently reduce your monthly by 25%! 4 referrals and your base program is FREE FOR LIFE!

Each package has unlimited keywords to use. So you can set up different databases. For example one for your customers, one for your employees, a VIP club, a Birthday club, etc.

Our text provider has been around for over 8 years, sending over 10 million messages to 10’s of thousands of businesses all over the United States!

Contact us to claim your 90 Days FREE and get started TODAY!

Join The Over 100,000 Businesses Who Have Begun Saving.

Increase Your Bottomline Without Having To Raise Prices.

Sign Up & Recieve A Free Chip Reading Terminal Contact Us

About us

Zero Fee 123 is a no-cost payment processing solution located in Canton, MI. We take pride in working with clients across the Midwest to make payment processing a seamless part of their business.

Contact Info

  • Jared Sparr
  • Zerofee123
  • 43311 Joy Rd #134, Canton, MI 48187
  • 248-821-5456
  • 888-388-0162
  • jsparr@zerofee123.com
  • https://iwantzerofee.com/

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