An exclusive arrangement through Wells Fargo Bank

1. Zero Fees
That means none!
No Minimum fees. No Batch fees. No Report fees. And, No Hidden fees!

2. 2% to 4.5%
Your current merchant processing fees become Net Profit

3. FREE
Merchant
Processing
What would truly “free” merchant
processing mean to your business?
• New expansions?
• Pay down debt?
• Hire new employees?
• Repay investors?
• Bonus shareholders?
• Bonuses for you and your staff?

4. In 2005, millions of merchants joined a class action antitrust lawsuit against credit card
giants Visa and MasterCard. There was no option until 2010. Credit card companies
forced businesses to pay their transaction fees.
Then Federal law changed
• The Dodd-Frank Wall Street Reform and Consumer Protection Act (Public
Law 111-203, “H.R. 4173”) became federal law on July 21, 2010, restricting
misconduct at the root of the Great Recession of 2008.
• As part of the Dodd-Frank financial reform legislation, the Durbin
amendment mandated the Federal Reserve to limit fees charged to retail
merchants for debit card processing.
• This amendment awarded retail merchants the freedom to charge customers
for card processing fees.
• “The Dodd-Frank law prohibits a payment card network such as Visa
‘from inhibiting the ability of anyone to provide a discount for payment
by cash, checks, debit cards, or credit cards.”
–Mitchell Katz, Federal Trade Commission
• “Retailers offer cash discounts because they want to reward customers for
taking [transaction] costs out of the system.” –Jeff Lenard, National
Association of Convenience Stores

5. Fair?
• Yes. In fact, your pricing becomes transparent
because a cash discount establishes a merchant’s
retail prices based on actual costs.
• Every business prices their goods and services
based on the competitive marketplace. Business is
about pricing goods and services to achieve a
profit margin while accounting for both variable
and fixed expenses. These include the cost of
goods, rent, wages, utilities, taxes, credit card fees,
etc.
• So if businesses already calculate into their pricing
the cost of credit card fees, aren’t cash-paying
customers paying higher prices to subsidize
customers who choose to pay with an alternative?
Simply put, offering a discount rewards cash
payments because they’re less expensive to
process than card transactions.
How can anything be more fair or
transparent?
Is an additional
customer service
charge added to the
price of all our
products and services
fair when offering an
equal discount to cash
paying consumers?

6. Legal?
The Texas State Attorney General stated:
“businesses can discount the regular retail
price of an item for consumers who pay cash.”
In the June 25, 2015, Advisory Bulletin from the
Texas Office of Consumer Credit Commissioner
noted that the Texas Finance Code allows Cash
Discounts and card payments to assess an
increase in the ‘regular’ price of the product or
service:
• In note 3. Cash discount: Section 339.001 prohibits
surcharges for paying by credit card, but it does not
prohibit discounts for paying by cash, check, debit
card, or other methods. A surcharge is an increase
from the regular price of a good or service, but a
discount is a decrease from the regular price.
The federal Truth in Lending Act allows sellers
to have two prices (one for cash and one for
credit), as long as the credit‐card price of the
good or service is also the regular price. 15
U.S.C. §§ 1602(q), (r), (y), 1666f.
Is an additional
customer service
charge added to the
price of all our
products and services
legal when offering an
equal discount to cash
paying consumers?

7. Distinction among processing fee types
Surcharge Convenience Cash Discount
There are very strict rules in this area.
 In 2013, the card issuing banks
decided that business owners would
be allowed to add a SURCHARGE of
up to 4 percent to all Visa and
MasterCard Credit purchases.
 All Debit transactions, as well as all
Discover and American Express
transactions, are excluded from the
SURCHARGE program.
 Since the surcharge program has
been released, 12 states have made
SURCHARGES illegal: California,
Colorado, Connecticut, Florida,
Kansas, Maine, Massachusetts, New
York, Oklahoma, and Texas.
 Surcharging is not permitted in any
state on a debit transaction.
 Convenience Fees have been around
for some time to help Mail order /
telephone order (“MOTO”) and e-
commerce companies offset the
additional fees because the “card is
not present” in that type of
transaction. This is only an option for
businesses that sell products online,
through catalogs or take payment
over the phone.
 Because of the increased risk of
fraud, higher fees for these
businesses occur than typical face-to-
face retail merchants operating brick
and mortar businesses.
 This fee is illegal in typical face-to-
face transactions known as “card
present.”
 Every state permits a merchant to
assess a Service Fee on all
transactions, both debit and credit,
that rewards customers for paying in
cash (aka Cash Discount Program).
 This is different from a penalty for
paying with a credit card called a
surcharge.
 The Cash Discount rate must be
clearly stated on the front door and
the checkout counter, as well as
printed on the receipt.
 Note: It is important to recognize
that the combination of the
proprietary hardware/software
solution makes this Cash Discount
program 100% compliant.

8. What is a Cash Discount
Program?
A Cash Discount Program enables a merchant to offset
some or all of their current merchant service fees without
increasing their overall rates by assessing a service fee to
all customers while simultaneously providing a discount to
those who pay with cash.
• Posted rates now become the rate for customers who
pay with cash.
• Legal disclosure includes a line item—“SVC FEE”—on
their receipt in addition to signage placed on the door
and near the register.

9. Cash discounting is no different than what
everyone in already used to at fuel stations
In 2016, several patents
combined software and
hardware (countertop card
swipers) to reward
consumers instead of a
penalizing them for the use
of credit/debit cards.
Approved in all 50 states,
this reward method is known
as a “cash discount” program
because it encourages
consumers to enjoy a
discount for paying with
cash.

10. Big Banks Made a Ton of
Money Last Year From
SERVICE FEES
TIME Money article February 23, 2017
• The nation’s three largest banks
collected more than $6.4 billion in
such charges last year, according
to an analysis from CNN.
• The average ATM service fee is
now $4.57, according to a survey
from Bankrate.

11. Are You an Early
Adopter?
Since 2016, thousands of merchants have become the “Early
Adopters,” paying 0% for processing any brand or type of
plastic. These fees become profits. Or, use them for hiring
new employees, expanding inventory, reducing debt,
opening new locations, or paying stockholders.
And, none of their customers complained! A few that
actually read their receipt asked about the line item “SVC
FEE” and were pleased with the truthful response from one
retailer:
“For years, I had to raise all my prices in my
business so that I could afford to pay
VISA/MasterCard for processing. That included
my cash-paying customers. That was wrong!
But I didn’t have a better solution. I do now!
Instead of raising all my prices, they stay the
same. If my customer pays with cash, they
enjoy a discount.”

12. Zero-fee
Merchant
Processing
An exclusive arrangement
through Wells Fargo Bank