Stop Paying Credit Card Processing Fees — Zero-Fee Merchant Services for Small Business

EzPay America helps small businesses across the United States accept Visa, Mastercard, American Express and Discover through a cash discount (dual pricing) program. Call (865) 316-9625 or apply online.

How zero-fee processing works

With a cash discount program, the merchant pays $0 in per-transaction processing fees. A small, clearly disclosed service fee is added at checkout for customers who choose to pay by card, while cash-paying customers pay the regular cash price. We provide compliant signage and terminal programming so the fee is disclosed as card network rules require. See the cash discount program page and our terms for full details.

What's included and what to know

• POS equipment: qualifying merchants receive a terminal at no upfront cost; ownership and return terms are explained in your merchant agreement.
• No long-term contract: service can be cancelled without an early-termination fee.
• Fast decisions: most applications receive an approval decision within 24 hours; account activation follows equipment setup and verification.
• Eligibility: approval is subject to standard underwriting and business verification.

Payment options we support

In-person card payments with EzPay POS, online checkout, mobile payments, ACH payments and merchant cash advance.

Businesses we serve

Restaurants, retail stores, hair salons, food trucks, dental and medical offices, grocery stores and more — view all business types.

About EzPay America

EzPay America is a US-based merchant services provider offering onboarding help and customer support by phone at (865) 316-9625 and email at mail@ezpayamerica.com. Mailing address: 65 S. Main Street #121, Mars Hill, NC 28754. We serve businesses across the entire United States. Learn more about us or read the FAQ.