Pay Zero Credit Card Fees?

Pay Zero creates a unique marketplace where investors fund merchant payment processing. Instead of traditional processors taking 2-3.5% of each transaction, our investors provide the capital needed to fund credit card fees short term while earning returns long term. This allows merchants to receive 100% of their sales without passing costs onto customers.

Investors can earn up to attractive returns annually, depending on their chosen risk profile and investment duration. Returns are distributed monthly and backed by actual payment transaction volume, providing more stability than many traditional investments. Your exact return rate will be shown when you select your investment plan.

No catch! Pay Zero earns through small service fees paid out of the investor returns, allowing merchants to truly receive 100% of their transaction amounts. We also offer premium services for businesses with specialized needs.

Your investment is diversified across hundreds of merchants to reduce risk. We also maintain insurance on your funds. However, like any investment, there is some risk. We offer different risk tiers with corresponding return rates so you can choose what works best for your financial goals.

Pay Zero integrates with major payment processors including Stripe, Square, PayPal, Shopify Payments, and most major POS systems. Our API also allows for custom integrations with proprietary payment systems for larger merchants.