SYNOPSIS: Zero-Cost Merchant Processing

What is it? A recent law that allows merchants to [legally] pass along the cost of credit card processing to their customers

What’s the benefit? Credit card processing costs are nil

Who is it for? Businesses who have little material competition i.e. emergency services, towing, attorneys, in-home care agencies, property management, property inspection, insurance companies

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Zero-Cost Merchant Processing...yes, this is no joke

You are a merchant, and you are paying merchant processing fees so your customers can have the convenience of paying for your goods or services at a later time. You want to make it easy for the customer to shop with you, don't you?

Well, think about this: when you take a look at your bank statement and its credit card transactions, you might go into shock when you see how much of those credit card transaction fees actually hit your bank account. For example; your "favorite" processor has told you that you're getting a 1.8% rate, but you see about 3% total coming out of your bank deposits in "hidden fees."

You're in a quandary: you want the customer's business, but if your margins aren't 20%, then 3% or so in processing fees is really killing you...what to do about it?

You may not know this, but merchants in many states are now legally allowed to pass on to their customers the cost of their merchant processing fees (up to 4%), provided that they have the required technology and signage in place to satisfy the rules and regulations.

You can surmise that this might not be for every merchant, but if you are in a generally "non-competitive" space, this could be a way for you to boost your margins.

If you are a doctor, cosmetic surgeon, dermatologist, dentist, DUI attorney, property management company, high-end auto dealership, funeral home, charity, school district, faith-based organization or any business where your clients will not leave you because you pass on these charges to them, we have the technology to make this happen properly...and it's incredibly inexpensive.

The rule changes that permit surcharging resulted from the Payment Card Interchange Fee Class Action Settlement. Even though the approval of that settlement has been reversed, MasterCard and Visa have not indicated that they intend to return to the pre-settlement prohibition on surcharging.

Call or write to us, and we'll go over all the details for you. Drive that money right down to your bottom line.


All of our savings and incentive programs bolster your bottom line, but programs such as the Virtual Payments Accounts Payable Solution actually create additional income by capturing rebates for your company, as you would, personally, with your own rewards credit cards. 


You can calculate yourself what a single dollar of cost-savings represents in relation to generation of your front-end revenue. We often find thousands, hundreds of thousands, or even millions of dollars of cost savings with a myriad of our contingency-based, unique programs. Give us a try.

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Our Tax Incentive Team of expert engineers, attorneys and accountants does only one thing…tax incentives. They are expert at it, have the studies perfected, and find millions of dollars of "hidden" tax incentive money for our clients every year.

☎︎ Schedule us for a complimentary 15-minute assessment call

We'd love to help you find some "hidden money." Click the "Let's Chat" button and schedule a 15-minute call with us at your convenience. 15 minutes is all we need to determine which of our many contingency-based programs you may be eligible for!


With the experience of more than 20 years in the cost-recovery arena, we are sure to find you some "hidden money."


Apropos Communications, Inc.

Apropos Communications, Inc., DBA "We Find Hidden Money" is a ten-year-old Cost-Recovery Consultancy, incorporated in California in 2013, and part of a resource-rich collective of Consultant Advisors across the United States