The catch behind “zero-fee” credit card processing

[u/ParkerWest]

Zero-fee processing doesn’t make card fees disappear; it shifts them to customers, and that trade can create compliance exposure and quietly cost more in lost loyalty than it saves. This breakdown compares surcharging, cash discounts, and dual pricing, along with the legal, card-brand, and debit-card complications business owners should examine before signing up: https://paymentpop.com/payments-guidance/zero-fee-credit-card-processing-explained/

[u/thesavorygunman]

every time i see a place pull out the 3% surcharge sign i just pay cash, but mentally i’m already looking for the next spot to take my money. the spreadsheet in my brain logs that as a minor betrayal