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

Call us at 1(866) 60-SHIFT

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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!

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

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

How can zero fee 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

Download a Zero Fee Case Study!

Learn more about how Zero Fee Processing has actually put money back in the pockets of a real-life business owner.

No Hidden Fees: The Proof is in the Pudding

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.

Accept All Card Brands

American Express, Visa, Mastercard, Discover... You can accept all types of credit cards. Does it cost more to accept certain card brands? Nope, still zero.

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 moving from processor to processor promising a better experience and price?

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 lowered their monthly credit card processing costs by 100% through this proprietary program.

Our business switched to the totally free processing solution, 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.

Tatiana Boat Speedworks

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.

Amy The Fischel Company

With multiple locations for my business, finding a merchant account that brought them all together was a big deal for us. The fact that we can do our processing now for free is the icing on the cake.

Tim North City Bakery

Paying fees drove us crazy. It was like we had someone with a hand in the register for every sale we made. Now with zero fees, we're more profitable than ever.

Dr. Addison Addison Dental

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. Now it’s all staying here in the company, and we’re very pleased.

Charity Old Signworks

I’ve actually gotten high-fived by customers who think the cash discount program is a great idea. They were loving the fact that this helped us keep prices down and gave them a choice on how to pay. For us, they want us to stay in business, and if we can do it without raising prices, our customers are happy.

Brian Blind Spot Bar & Grill

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 zero fee option has been great for us.

Ellie Salon Lofts

What else? We have your perfect equipment solution!

These terminal solutions are ready to help your business soar! We offer counter top, wifi and wireless solutions all with integrated pin pads. We have your business covered no matter how you sell.

zero fee- countertop terminal

Countertop Terminal

  • EMV and NFC Contactless Built In - EMV 4.x L1 and L2 certified
  • Dual Comm is standard but Z8 comes with a WiFi Option for Tri-Comm capability (Dial, IP, & WiFi)
  • Connect to WiFi easily on Tri-Comm models, the terminal finds the available Networks!
  • 2.4’’ Color LCD with backlight
  • 192 MB of Memory   (128 MB RAM / 64 MB DDR RAM)
  • PCI PTS certified
  • Apple Pay, Samsung Pay, Google Wallet, Visa payWave, MasterCard PayPass
  • Display logo on the screen and print logo on the transaction receipts
  • 32bits 400MHz high speed microprocessor
zero fee- wireless terminal

Wireless Terminal

  • EMV and NFC Contactless Built In
  • 3.5’’ Color LCD with Touchscreen for Signature on Display
  • 192 MB of Memory   (128 MB RAM / 64 MB DDR RAM)
  • PCI PTS certified
  • EMV 4.x L1 and L2 certified
  • Apple Pay, Samsung Pay, Visa payWave, MasterCard PayPass,
  • Prepaid Data Plans for 3G Models - No Gateways, sends an IP Transaction over the GPRS Radio
  • 3G Models use multiple data networks for unbeatable coverage map
  • Self discovering WiFi networks - set up with the touch of an icon for all WiFi enabled Models
  • 32bits 400MHz high speed microprocessor
  • Portable design. Optional charging station w/added Dial & IP connectivity
zero fee- touchscreen terminal

Touchscreen Terminal

  • EMV and NFC Contactless Built In - EMV 4.x L1 and L2 certified
  • Dual Comm is standard however Z11 comes with a built in WiFi option for Tri-Comm capability (Dial, IP & WiFi)
  • 3.5” TFT LCD with PCT touch screen for signature on the screen
  • 2.4’’ Color LCD with backlight
  • 192 MB of Memory   (128 MB RAM / 64 MB DDR RAM)
  • PCI PTS certified
  • Apple Pay, Samsung Pay, Google Wallet, Visa payWave, MasterCard PayPass,
  • Display logo on the screen and print logo on the transaction receipts
  • Scroll multiple images on the terminal display when in idle mode
  • Ideal for signature capture and upload to the DeNovo business portal
  • Great solution for SPIn integration to POS systems
  • 32bits 400MHz high speed microprocessor

Ridiculously Easy Setup: From Box To Active in 5 Minutes

Changing payment processors can be a hassle, but the free 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

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. Click here if you need a high risk merchant account.

  • 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