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Zero Cost Processing for Your Business

Also known as Dual Pricing, Cash Discount, or Surcharge

With BLVD Merchant Group, your business can reduce—or even eliminate—credit card processing costs by passing fees to the consumer. Debit card transactions still carry a reduced processing cost, giving you the flexibility to choose how fees are handled: absorb them, pass them on, or a mix of both.

 

How It Works

Dual Pricing / Cash Discount

  • Set your posted prices to include credit card processing costs.
  • Offer a discount to cash-paying customers, so they see savings and you keep more of every sale.
  • Fully legal in all 50 states.
  • Debit cards still incur a small processing fee, but lower than credit cards.

 

Surcharge Option

  • Apply a line-item fee to credit card transactions to recover processing costs.
  • Legal in most states, but regulated and prohibited in some (CT, ME, MA) or limited (NY, CO, OK).
  • Requires registration and disclosure per card network rules.

 

Debit Cards

  • Even with dual pricing, debit card transactions still carry a cost to the merchant.
  • Typically lower than credit card rates.
  • Allows you to offset credit card fees without losing control over debit costs.

Why Businesses Choose Zero Cost Processing
  • Flexible & Transparent: Decide which fees you pass to customers and which you absorb. Clear signage, POS messaging, and receipts communicate cash discounts or surcharges.
  • 100% Compliant: Fully legal across all 50 states for dual pricing. Surcharge options are supported where allowed.
  • Easy to Start: Works with all major credit cards, debit, and mobile wallets (Apple Pay®, Google Pay®), and integrates with most POS systems.
  • Customer-Friendly: Cash-paying customers receive a visible discount; fee-passing is fair and predictable.
  • Next-Day Funding: Maintain cash flow while lowering payment costs.
  • Suitable for Any Industry: Restaurants, retail, telehealth, wellness, and specialty businesses can implement dual pricing safely and compliantly.
We don’t just embed payments—we help optimize how your business gets paid.
Consult with Sales

Cash Discount vs. Surcharge (Quick Reference)

Feature
Dual Pricing / Cash Discount
Surcharge
Customer Message
“Pay with cash, get a discount”
“Pay with card, pay extra”
Legal Status
Legal in all 50 states
Regulated; prohibited in CT, ME, MA; restricted in NY, CO, OK
Default Price
Card price posted
Cash price posted
Debit Card Fees
Still apply at reduced rate
Still apply at reduced rate
POS Requirements
Programmed to show cash discount
Programmed to add line-item fee
Customer Perception
Positive: saving money
Neutral or negative: extra fee
 
Benefits at a Glance
  • Offset credit card processing fees
  • Reduce chargebacks and fraud exposure
  • Maintain transparent pricing for customers
  • Implement legally across all U.S. states
  • Integrate with POS systems, EMV terminals, and online payment portals
  • Control which fees you absorb vs. pass on

Take Control of Your Processing Costs

Zero Cost Processing with BLVD Merchant Group isn’t just a concept—it’s a flexible, legal, and easy-to-manage program that helps you keep more of what you earn, while giving your customers choice and transparency.

  • Choose which card fees to absorb and which to pass on
  • Stay compliant in every state
  • Integrate easily with your existing POS or payment platform
  • Protect margins without confusing or frustrating customers
Your data—and your clients’ data—stay protected.

Take Control of Your Processing Costs

Zero Cost Processing with BLVD Merchant Group gives you flexibility and growth.

Learn More About Zero Cost Processing

Consult With Sales Team

Key Features & Services

Telehealth & Digital Health Business Partners

Not just a payment processor—we’re a business consulting ally specializing in telemedicine, online pharmacy, and virtual care brands and platforms.

Partnerships/Integrations

Our extensive industry-wide partnerships and 20+ years of expertise in merchant services allows us to offer the most reliable industry-grade service possible.

24/7 Customer Service

Our help desk agents are available at all times to assist you in whatever you may need.

Schedule A Pricing

We've centered our business model around the best pricing the industry offers.

Secure Transactions

We prioritize security, ensuring that all your transactions are protected with the latest encryption technologies.

PCI Compliance

Worry no more. We have a service specialized for this area of commerce. Contact us today to get compliant.

FAQs

Our streamlined onboarding process ensures you can start processing payments in under 24 hours, with instant approval for most applications.

While we specialize in telemedicine and the telehealth industry, we work businesses across  a variety industries, including retail, e-commerce, hospitality, and many more. Whether you’re a low-risk, medium-risk, or high-risk business, we have tailored solutions to meet your payment processing needs.

es, our solutions are built with advanced security features like tokenization, encryption, and PCI DSS compliance to protect sensitive data and safeguard your transactions.

Absolutely! Our APIs and payment gateways are designed to integrate seamlessly with your current systems, ensuring a smooth transition without disrupting your operations.

We provide comprehensive support, including real-time transaction monitoring, developer assistance, and a dedicated customer success team to help with setup, troubleshooting, and optimizing your payment processes.