SMPL offers zero-fee credit card processing as an alternative. Instead of requiring the business to absorb traditional merchant-paid processing costs, our payment model uses dual pricing to shift that expense away from the merchant.
The card processing fee is
shown to the customer at
is what SMPL charges qualifying merchants instead.
The mechanism
The result is a simpler approach to payment processing that can help your business keep more of the money it earns.
processing fees with subscription pricing, for eligible merchants
prices at checkout: one for cards, one for cash and debit
free to try, no contract and no cancellation fee
Does every merchant qualify for 0% processing fees? No. Availability depends on eligibility, business type, processing profile, bank approval, and compliant implementation.
How it works
Every time a customer pays by credit card, traditional payment processing can take a portion of the sale. For businesses that process a high volume of card transactions, those costs can add up quickly and take a significant amount of revenue away from each sale. Our zero-fee payment model changes the way credit card processing costs are handled.
You don't have to stop accepting credit or debit cards to reduce your processing costs. We provide the payment tools you need to continue accepting card payments from your customers.
Depending on your business, that can include in-person payment terminals, POS solutions, online payments, or a Virtual Terminal for processing payments remotely.
Your customers can continue using the payment methods they're accustomed to while you use a payment solution designed to reduce your payment processing expenses.
With traditional processing, the merchant typically pays processing costs associated with each card transaction. As sales increase, those costs can increase as well.
The exact structure of your payment solution will depend on your business and the SMPL services you select, but the goal is straightforward: through dual pricing, the cost is presented to the customer at checkout instead of coming out of your sales.
When you're no longer paying traditional processing costs out of every card sale, more of your revenue can stay with your business. Every dollar you don't spend on processing is a dollar that can remain available for your business. Retain more revenue from the sales you're already making.
That can make a meaningful difference over time. A business processing thousands of dollars in card payments each month can see traditional processing expenses quickly add up. Reducing those expenses gives you an opportunity to put more of your revenue toward the things that matter to your business.
If you're also interested in an alternative based on a predictable monthly cost, explore SMPL's flat-fee credit card processing solution.
What's the catch
Dual pricing only works within limits SMPL sets up during onboarding, not ones you configure yourself. Eligibility, business type, processing profile, bank approval and compliant implementation all decide whether it applies to your business, and your state or card mix may make it unsuitable.
Talk it throughNot always the right fit
Zero fee credit card processing is not the better choice for every business. Here is where a different model usually fits better.
A posted card price reads oddly next to a quoted invoice. A predictable monthly subscription usually sits better with high-ticket or B2B billing.
Flat fee is usually the better fitDual pricing earns its keep on steady card volume. If your card takings are modest, per-transaction pricing is often the more honest fit.
Flat fee is usually the better fitDual pricing means a cashier can explain two prices. If that conversation feels wrong for your team today, a flat monthly fee keeps one price on the register.
Flat fee is usually the better fitWhere you can use it
SMPL gives businesses multiple ways to accept payments while taking advantage of a payment model designed to reduce merchant-paid processing costs. Whether customers are paying at your location or through your online sales channels, we can help you find payment solutions that fit the way your business operates.
Accept card payments at your business with modern payment terminals and POS solutions. SMPL offers options designed for different types of businesses, whether you operate a retail location, restaurant, service business, or another type of operation.
Customers can pay using their preferred card payment methods while your business uses a system designed to minimize traditional processing expenses.
If you sell products or services online, SMPL can provide payment solutions that allow you to accept card payments through supported online channels.
Online payment acceptance gives customers the convenience of paying from wherever they are while allowing your business to manage transactions through your digital sales process.
Not every transaction takes place at a physical checkout. With a Virtual Terminal, businesses can process card payments remotely without requiring the customer to be physically present at a payment terminal.
This can be useful for businesses that accept payments over the phone, process orders remotely, or need another way to take card payments outside of a traditional checkout environment.
Your payment system may need to work alongside the other tools your business already uses. Payment integrations can connect payment acceptance with supported websites, software, and business systems, helping make transactions easier to manage.
SMPL can help you determine which payment integrations and tools make sense for your business and how they can fit into your existing payment setup.
Questions
Prefer a fixed number instead? Flat fee credit card processing keeps the cost with your business at one flat subscription.
The processing cost is presented to the cardholder at the point of sale through dual pricing, rather than deducted from your takings. Your terminal shows both prices, customers choose how to pay, and card sales settle at the full ticket value. Cash and debit customers pay the lower price.
No. Availability depends on eligibility, business type, processing profile, bank approval, and compliant implementation.
No. Debit and prepaid card transactions are never surcharged, regardless of whether the customer runs the card as credit. A compliant dual pricing program applies only to credit card transactions, and eligibility and compliant implementation are confirmed during onboarding.
SMPL also supports competitively priced traditional processing, including flat fee and pay-as-you-go pricing, if dual pricing is not the right fit for your business. See flat fee pricing →
Flat fee processing means you pay one predictable subscription instead of a percentage of each sale. The cost stays with your business but stops moving. Zero fee processing works differently: the card cost is presented to the cardholder at checkout, so it no longer comes out of your revenue at all. How flat fee processing works →
You need a terminal that can display both prices and print compliant receipts. SMPL's Smart Terminal, Smart Flex and POS+ all support it. If your current hardware cannot, eligibility and compliant implementation are confirmed during onboarding before you switch.
There is no long-term contract and no cancellation fee, and new merchants get a 30-day free trial. Any hardware you have taken is returned when you close the account, and anything supplied on separate terms is set out in writing during onboarding.
Get started
Your business shouldn't have to watch a portion of every credit card sale disappear into processing costs. SMPL's zero-fee credit card processing approach is designed to help businesses reduce merchant-paid processing expenses while continuing to accept the card payments their customers expect.
See what your business could save by comparing your current processing costs with SMPL's payment model.
For eligible merchants. See the FAQ above for full eligibility details.