Credit Card Processing

Collect 100% of your processing sales

✔️ NO Transaction Fees | NO Hidden Fees!
✔️ Available in all 50 states. 100% legal. 
✔️ Eliminate processing fees
✔️ Next day funding
✔️ No Upfront Costs

We change the way you get paid

Ist Merchant introduces 0% Processing fees! It is a method of passing a service fee to all customers while giving a discount to those who pay with cash. Recent law changes allows & gives 1ST Merchant, the advantage and advancement to use our proprietary software for your business that can now accept credit cards for FREE! 

Traditional Processing

  • Credit/Debit Card
  • Payment Terminal
    Charges 2.7%-3.5% processing fee
  • Customer
    Pays no fee. Gets rewards points
  • Merchant
    Receives 96% of sale amount

1st Merchant 0% Processing

  • Credit/Debit Card
  • Payment Terminal
    Auto-calculates 3.99% fee
  • Customer
    Pays small fee. Still gets rewards points
  • Merchant
    Receives 100% of sale amount

How it works?

No more Hidden Fees

1ST Merchant’s proprietary software allows us to almost eliminate the fees, all the processing fees will be incorporated into the sale and a small fee is passed on to the card holder.

Cash is King

Our 1ST Merchant’s proprietary software allows your customers to be rewarded for paying in cash with a 3.99% discount!

A Bigger Slice

You, the Merchants, the Business Owner, get 100% of the sales rendered at the end of the month, your processing fees will be ZERO!

Signs of the Times!

Discounts signage clearly spell out the process to customers of Point-of-Sale/purchase and Pricing

Our 0% Processing Program

Traditional Processing
0% Processing
Interchange Fee
2%-4% of Gross
Transaction Fee
Authorization Fee
Statement Fee
Monthly Minimum
Online Access Fee
Other Surprised Fees
No surprised fees
0% Processing Will once and for all Eliminate all Processing Fees
With 1ST Merchant’s 0% Processing plan, Customers will never have to worry about processing fees. Additionally, Our exceptional customer service will make you a happy customer. Thousands of merchants are already using 1ST Merchant Solutions proprietary software, and more are signing on every day. Be the next one to share the good news with your fellow Merchants and save FIRST! Give your Business the upgrade it needs to make more money!
See if your business qualifies for 0% Processing

4 Amazing POS Solutions With 0%

Clover Mini + 0% Credit Card Processing

The POS is powerful enough to run the business and small enough to fit into any space.
  • WiFi or WiFi/LTE connectivity
  • Access your data anywhere
  • Swipe card, tap, dip, or take cash
  • All of the popular features and tools for your business
Best fit for:
  • Retailers: liquor store, market & more
  • Grocery Stores
  • Quick-Service Restaurants
*Price does not include Clover service plan , tax & shipping fee

Just for

$49.99/mo* $119.99/month

Clover Flex + 0% Credit Card Processing

Compact, Standalone countertop device, Sophisticated merchant service
  • Accept all payment typess
  • Manage your business from anywhere
  • All-in-one system. WiFi and LTE connectivity
  • Get deposits fast and easy
Best fit for:
  • Quick-service Restaurants and fast pace environments
  • Retailers
  • Services
*Price does not include Clover service plan , tax & shipping fee

Just for

$39.99/mo* $90.99/month

Clover Station Solo + 0% Credit Card Processing

A powerful Clover Station point of sale for both sides of the counter
  • Large 14’’ versatile display
  • Custom orders done right
  • Speed, power, reliability
  • Reliability, Speed and Power
Best fit for:
  • Full-service Restaurants
  • Appointments & services
  • Retailers
*Price does not include Clover service plan , tax & shipping fee

Just for

$89.99/mo* $180.99/month

Clover Station Duo + 0% Credit Card Processing

The most powerful POS that does it all
  • Receipt printer, cash drawer, connectivity hub
  • A screen for you, another for your customer
  • Discounts, Inventory Management, Employee Management, Online ordering and More!
  • Offline payment mode, Paperless receipts, Contactless and Traditional payments
Best fit for:
  • Retailers
  • Any restaurants
  • Appointments & services
*Price does not include Clover service plan , tax & shipping fee

Just for

$99.99/mo* $239.99/month

Why should you choose our services?

Consistent rate

You rate will always stay the same

Money management

Easily track transactions and optimize cash flow

easy payment

All types of payment are accepted

excellent support

Customer care and technical support are available when you need help

Frequently asked questions

Got questions? We’re ready to help you find the answer.

What is the 1st Merchant 0% Processing Program?

Save virtually 100% on processing fees through a unique program developed to help merchants nationwide by offering their customers a discount for paying with Cash or in store gift cards.

What kind of businesses can use the 1ST Merchant’s proprietary Software or our Affiliates?

Just about any business that accepts credit cards can benefit from our advancements. From professionals like doctors, lawyers, dentists and accountants and auto repair shops and daycare centers to retail establishments, 1ST Merchant can put more money in your pocket every month — a lot of it! Depending on your utilization of the technology to process payments and traffic in and out flow.

What do I need to get started with 1ST Merchant?

This is the fun part. We’ll send you everything you need in one handy package. You’ll receive a payment terminal, along with signage for your front door and terminal area explaining the discount for cash-paying customers. You’ll also receive free training, as will your sales staff.

OK, I really like the idea of 1ST Merchant. What do I do now?

It's easy! Just press GET STARTED (get started is a hyperlink) button and fill out a simple form. It only takes a couple of minutes! Business and Personal information, it’s confidential and secure. Welcome to the 1ST Merchant family of smart merchants who are saving money every day!

What if I don't like the Cash Discount Program?

1ST Merchant got you covered!1ST Merchant has a 100% satisfaction guarantee. If for any reason you want to stop using the Cash Discount Program, we will immediately change you back to traditional interchange pricing.

What are customers going to say?

Customers understand the high costs of processing payments and opt in or use cash. 1ST merchants, Merchants love this program and there has been virtually no negative impact from their customers.

Who else is using the Cash Discount Program?

1ST Merchants 0% Processing fees program is new, yet a lot of merchants are already using the 1ST Merchants Proprietary software and enrolled into the program, and more are signing on every day.

Do I need to get a PhD to figure this out and set it up or have to get certified?

Not at all. We’ve made 1ST Merchant’s proprietary software incredibly easy to order, set up and manage. If you have any questions, just give us a call and one of our super-smart (and very friendly) tech people will help you with any questions or concerns.

Is it legal to offer a Cash Discount?

As stated in the Durbin Amendment §124.STAT.2073, 9b2, 15 U.S.C. § 1693o-2, businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit card including either checks or cash in order to automatically receive a discount which is applied at the time of sale.

Is this the same as a surcharge?

This is not a credit or debit card surcharge program which is not allowed in several states. 1ST Merchant provides you with a technology that allows you to offer discounts to your customers who chose to pay using cash or check which is allowed in all states.

So what you are waiting for?