Cash Discount

It is a method of passing a service fee to all customers while giving a discount to those who pay with cash.

Credit Surcharge

A surcharge is an additional fee that a merchant adds to a consumer’s bill when he or she uses a credit card for payment.

Traditional Processing

FreeSwipe offers the most competitive rates for Conventional method of processing in the industry.

Comprehensive array of equipment for any business

Regardless of what type of business you’re running, be it a retail location or a restaurant, we will help you find the right payment processing solution.

Once your application is complete, the processing time is usually 24 hours or less, especially if we receive your application before noon EST. If approved, we will ship your terminal equipment or software promptly.
Visa, MasterCard, and Discover transactions are deposited next business day depending on the type of business.
You do not necessarily need to have a business license if you can provide a different acceptable documentation item that is required. These items vary depending upon the level of risk associated with your business.
You only need a business checking account if your business is set up as a corporation. If it is a sole proprietorship, you may use a personal checking account or a business checking account.
No, you do not. We can do all this for you.
The discount rate is the fee that a merchant pays to the acquirer for processing services that enable the merchant to accept bankcards as payment. Our discount rates are extremely competitive. If we can’t beat you current rate, FreeSwipe will give you a $100 gift card.
A fee paid by an acquirer to an issuer for transactions entered into interchange. The interchange fee is a percentage applied, according to Visa/MasterCard regulations, to the dollar value of each transaction. There are multiple categories of interchange, and Visa and MasterCard each have their own criteria for their own categories. A transaction must meet the specified criteria for a category in order for that category’s rate to be applied. Each transaction is evaluated individually, so various interchange rates may apply within one batch of merchant transactions.

The Visa Network Participation Fee / Fixed Acquirer Network Fee applies to all settled (batched out) U.S issued Visa credit card and Visa debit card transactions processed by a U.S. based merchant.
The fee will be billed on one line item and one amount on the merchant’s month end statement with a descriptor of “Visa NPF” for TSYS merchants.
The fee amount will vary from merchant to merchant and is calculated by Visa based on a number of factors including:

  • Number of Tax ID’s
  • Card Present vs. Card Not Present
  • Merchant Category Codes (MCC)
  • Number of Locations
  • Visa Gross Monthly Sales Volume

If a merchant does not process any Visa cards during the month, a minimum fee of $3.00 is still charged to the merchant.

Yes. Anyone who accepts credit card payments needs to comply with PCI-DSS rules.

When you have a merchant account with us, we provide free PCI compliance validation. Please contact us for assistance.

What is Cash Discount?

Our Cash Discount Program is a way for you the merchant to offset your merchant service fees without increasing your sale price. It is a method of passing a service fee to all customers while giving a discount to those who pay with cash.

  • 100% legal

  • Available in all 50 states
  • Collect 100% of your processing sales

  • Eliminate monthly processor fees

  • Incredibly easy to order, set up and manage

  • Next day funding

Get Started
Credit Surcharge

What is a Credit Surcharge?

Our Credit Surcharge Program is a way for you the merchant to offset your merchant service fees without increasing your sale price. It is a method of surcharging a customer who is paying with a credit card.

  • Legal in 42 states
  • Collect 100% of credit card processing sales

  • Eliminate monthly processor fees

  • Incredibly easy to order, set up and manage

  • Next day funding

Get Started

What is a Credit Surcharge?

Our Credit Surcharge Program is a way for you the merchant to offset your merchant service fees without increasing your sale price. It is a method of surcharging a customer who is paying with a credit card.

  • Legal in 42 states
  • Collect 100% of credit card processing sales

  • Eliminate monthly processor fees

  • Incredibly easy to order, set up and manage

  • Next day funding

Get Started
Credit Surcharge

Stop paying high processing fees

Start using Free Credit Card Processing today!

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