Zero Fee Processing | Accept Cards at 0% | Shift Credit Card Processing

Join The Thousands Of Merchants And Counting Who Use Zero Fee Credit Card Processing

We Save Our Merchants Hundreds Of Thousands Of Dollars Each Month With Zero Fee Processing!

Credit Card Processing For Small Business With No Monthly Fees Is Real.

How can no fee credit card processing be real? It's simple! With this proprietary technology, our platform will add a small service fee to each customer's purchase. You get the full purchase price for the transaction. The fees for processing the cards come directly to us and pay all your monthly transactions. When you receive your statement each month, you will always pay zero. Finally, a solution that completely eliminates merchant service fees. At Shift, we reduce your credit card fees 100%.

What Sets Us Apart From Other Credit Card Processors

  • 100% of merchant fees gone forever with no monthly fees
  • 100% free terminals
  • Month-to-month contracts on all accounts
  • Available in all 50 states
  • Next day funding (11 PM EST )
  • Terminal placement programs
  • Unmatched customer service

Why Businesses Choose Us Over the Competition

Shift Processing

The Competition


100% Free

$29-$59 a month


100% Free

95%-98% Free

Statement Fee

$0/ month

$5-$10/ month


$0/ month

$6 to $10/ month

Annual Fee

$0/ year

$89-$149/ year

Contract Term


3 to 5 years

Free Credit Card Processing for Small Business: No Monthly Fees

At Shift Processing, we don't hide fees. We know how frustrating it is to get a statement and find higher fees than what was quoted. With Shift Processing, you will always pay zero. It doesn't matter if you process $5,000 per month in cards or $5,000,000 per month. You will never pay merchant fees again. Our cash discount program is available for your business.

No Monthly Fees

You will receive a monthly statement showing your savings and what you would have paid with another company, but with zero fee processing it will never cost you a dime.

No Batch Fees

Why should you be charged for closing out at the end of the business day? Batch out as much as you like, it doesn't cost a dime.

No Swipe Fees

This is a considerable cost for most merchants. With Shift, you will never be charged to swipe a card. You'll never have to use a minimum purchase required sign ever again.

No Interchange Fees

We pay the interchange fees so you don't have to. Interchange makes up almost 90% of processing fees. With Shift, expect to pay nothing.

No Rate Increases

Your rate is zero, and it will never increase with the Shift Free Processing Solution. You'll never have to haggle with companies over rates ever again.

Next Day Funding

Put your hard earned money to work faster. With a 11pm eastern cutoff have your money the next business day.

Those Are Just A Few Main Features, There Are Plenty More!

  • Amazing Customer Service
  • 24/7 Account Access
  • Dedicated Representative
  • 100% PCI Compliant
  • Free Shipping on Equipment
  • ApplePay Compatible
  • Troubleshooting Assistance
  • Chargeback Support
  • Samsung Pay Compatible
  • Integrated Pin-Pad
  • Free Online Reports
  • 100% EMV Compliant
  • Google Wallet Compatible
  • Paperless Billing
  • Free Signage

Sick Of Changing Credit Card Processing Companies?

With the Shift Processing Totally Free Processing solution, you'll never have to worry about shopping for rates again. Nobody can beat zero, and our exceptional customer service will have you a happy customer for life. Join the thousands of other business owners who have found zero cost credit card processing, and started using the cheapest credit card processing for small business.

I’m sure we weren’t the first ones to ask if this was real or just a gimmick, but we couldn’t be more happy with our service. We get our statement each month and we always pay $0 where there used to be a much higher number, and it’s amazing. Free merchant services does exist, and it’s with Shift Processing.


We have multiple locations, and thought a free merchant account couldn’t work for a business our size. At best, we thought low fee credit card processing was the best we could do, but that was before we met Shift. Truly the cheapest merchant services are the ones you don’t have to pay for, and that’s now a reality for us.


The lowest credit card processing fees we had before this was still over $1,000 per month. We thought we had cheap credit card processing, but now we know the cheapest payment processing is the ability to accept credit cards for free. We love having free merchant processing, and we wish we knew about it sooner.


At first we thought it was a risky move to pass the processing fees to our customers. We thought we might lose some customers due to the change, but it just didn't happen. We even had some customers tell us they liked that we didn't raise prices and gave them a choice on how to save. We've stopped shopping for merchant accounts. The no fee merchant processing option has been great for us.


I wish I had found this merchant account sooner. I can’t believe the amount of money I paid to accept credit cards before. It’s a little embarrassing to see how much money I’ve wasted in the last few years of my business. This is the cheapest merchant account with free card processing, and now it’s all staying here in the company, and we’re very pleased.


Our business switched to the no fee payment processing, and we’ve never had such a healthy bottom line. We save thousands every month. The customer now makes the decision how to pay, and we’re thrilled with the results.


What Is The Cheapest Credit Card Processing For Small Business?

The cheapest credit card processing for small business is called Zero Fee Processing, offering the lowest credit card processing rates with free equipment. Low cost credit card processing is what most business owners look for, but credit card processing with no fees is the only truly cheap credit card processing for small business.

Credit card payment processing shouldn’t force a business owner to pay for the perks and rewards that the consumer gets for card loyalty. Giving customers the choice of paying the cost for the credit card merchant processing or getting a discount for cash helps to keep costs down while allowing maximum payment options for the consumer.

We Have Your Perfect POS System or Credit Card Terminal!

The lowest credit card processing rates paired with the perfect free Point of Sale system or free Smart Terminal makes things easy. Why settle for a free credit card terminal when you can upgrade to a free POS system for no additional cost?

Most merchant credit card processors will offer a free terminal when you sign up for a new account, but they lock you into a multi-year contract to ensure their guaranteed profit on your account.

At Shift, your equipment is free and all of our small business payment processing contracts are month to month. No paying for equipment and no locking you into long contracts. You always win with Shift.

Ridiculously Easy Setup: From Box To Active in 5 Minutes

Changing payment processors can be a hassle, but the cheapest credit card processing solution is a breeze to setup. Just plug it in and you're ready to process. Your dedicated support rep is always standing by in case you need assistance.

zero fee processing for any type of business

What type of business do you have? With thousands of merchants already using this product, you can be confident that this solution will work for you. *

  • Pest Control
  • Fishing/Hunting
  • Landscape Services
  • Lawn Care Services
  • Consultants
  • Marketing/Advertising
  • Non-Profit Organizations
  • Fine Dining
  • Retail Sales
  • Technology Services
  • AC & Heating 
  • Construction
  • Contractors
  • Equipment Rental
  • Plumbing
  • Remodeling
  • Repair/Maintenance
  • Child Care Services
  • Accountants
  • Pawn Brokers
  • Tax Preparation
  • Bakery
  • Grocery Stores
  • Convenience Stores
  • Restaurants/Bars
  • Truck Stops
  • Athletic Trainers
  • Chiropractic Offices
  • Dental Offices
  • Optometrists
  • Car Wash
  • Auto Parts/Sales

*Not All business types or business models work with the Shift Zero-Fee Processing Program. Minimum volume requirements may apply.

It's time to Shift your Perspective

With Shift, you no longer have to wonder if you can afford to have your small business accept credit cards. Other credit card merchants  may offer cheap merchant services and low rate credit card processing while locking you into a long-term contract & costly equipment, sticking you with tons of merchant account fees. 

You may think that this is just part of the cost of small business credit card processing. It doesn’t have to be.

With Shift’s credit cards processing solution, you’ll truly get the cheapest merchant credit card processing services. Credit card processing for small business with no monthly fee really is possible. Click the orange "I'm ready for ZERO FEE processing!" button and let us show you how.