Keep more of every sale with zero-cost credit card processing. Offset processing fees with dual pricing, surcharging, and cash discounting without slowing down your checkout or confusing your customers.
Choose the program that fits your business and keep more of every transaction.
Flute helps support compliance with applicable card brand rules and state regulations, reducing the administrative burden of managing those requirements.
Card and cash prices are clearly displayed at checkout, so customers always know what they’re paying and why.
Our U.S.-based team is still here long after your first transaction, with support whenever you need it.
"Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth."
Display two prices at checkout: a standard rate for cash payments and a card rate that covers processing fees.
Add a small surcharge to credit card transactions and apply it automatically at checkout.
Set your standard price to include the cost of card acceptance, then offer a discount to customers who pay with cash.
Allow customers to pay directly from their bank accounts at a fraction of the cost. Modular / differentiation section.
Flute helps merchants recover eligible processing costs while aligning with card brand requirements and applicable state regulations, so you can reduce fees without taking on unnecessary risk.
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Activate zero-cost processing without replacing your existing hardware or POS system. Our team will handle the transition so there’s minimal disruption to your day-to-day operations.
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Pricing
Flute’s zero-cost processing programs are structured to help offset processing fees while operating within applicable card brand and regulatory frameworks.
Zero-cost credit card processing offsets credit card processing fees by passing some or all of the cost to the customer through surcharging, dual pricing, or cash discount programs. Instead of absorbing the fee on every transaction, businesses can use one of these compliant programs to recover the cost, keeping more of what they earn.
Credit card surcharging is permitted in many U.S. states, subject to specific restrictions and requirements that vary by state. Flute provides guidance to help merchants understand applicable card brand rules and state regulations and will review state‑specific considerations before program setup.
Dual pricing shows two prices at checkout: one for cash, one for card. Cash discounting sets a single price and offers a discount to customers who pay in cash. The practical outcome is similar. The key difference is how pricing is displayed and communicated to customers. Flute can walk you through which approach fits your business.
Flute supports merchants by assisting with key compliance considerations related to credit card surcharging, including disclosure practices, setup, and state‑specific requirements, based on current card brand guidance.
The savings depend on your transaction volume and your current processing rates. Businesses running high card volumes often see meaningful savings in monthly processing costs. Reach out, and Flute’s team will give you a realistic estimate based on your actual numbers.
Find out what zero-cost processing would mean for your monthly bottom line. Talk to our team to find the right program for your volume and payment mix.
