Finally, a better way to accept credit cards.

Accept credit cards at 0% and NO transaction FEE

Unlimited Processing Volume. New Rules. Better Solution.

Are you sick and tired
of paying costly merchant fees?

You work hard for your money, and month after month, merchant fees are eating away at your bottom line. You probably have switched merchant processors time and time again, only to find out the “Savings” that were promised never actually showed up in your bank account. Your customers love using their credit cards for the rewards points and travel miles, but you don’t benefit at all from these added fees, so why do you have to pay them?

The ugly truth
about interchange fees

Interchange is a Fee that occurs every time a customer pays with a credit card, and this fee is non-negotiable. Interchange fees are directly charged by the big card brands and vary in rate depending on the type of credit card that is being ran at the point of sale. Merchant processors have no control over these rates, they can only reduce the amount of “profit” that is added on top of these interchange fees. This is the reason why cutting processing fees by 50% still does not amount to a significant savings. Until now, interchange fees charged by the BIG card brands could not be avoided.

new rules. better solution.

In a recent federal class action litigation settlement, the Supreme Court ruled in favor of merchants who want to pass the credit card fee to the customer. Merchants are no longer responsible for paying these fees alone. As stated in the Durbin Amendment, merchants now legally have the ability to offer a discount if a customer pays in cash and pass the fee back to the customer if he/she chooses to pay with a credit card.

Government, and municipal entities have been benefiting from this system for years.
When is the last time you went to register your car, or renew
your driver’s license and didn’t have to pay a fee when using
 your credit/debit card?


now this system is Available to merchants everywhere.

be part of the processing revolution.

Introducing

paymentUSA freedom

Eliminate up to 100% of your processing fees with the Payment USA FREEDOM discount for cash program. Accept credit cards at 0% cost to you with ZERO transaction fee. Payment USA utilizes a patented technology which eliminates a major portion of total processing costs. The payment terminal software program is designed to encourage customers to pay by cash, or gift card. If the customer pays with a credit, or debit card either a small (fixed, or percentage fee) is applied to all sales. A discount is automatically applied when customers pay with cash, or gift card. No discount is given when paying by debit, or credit card. The patented software automatically determines all discounts and actions based on the payment type.

PaymentUSA Freedom has ZERO hidden Fees

PaymentUSA will never hide fees. With PaymentUSA Freedom, you will always pay zero. It doesn't make a difference if you process $100 per month in cards or $1,000,000 per month. You will never pay credit card processing fees again.

​No Monthly Fees

Rest assured you have Freedom.
You never have to worry about those
annoying merchant processing
fees again.

No Batch Fees

Freedom doesn’t stop with
zero merchant fees. It is also free to batch out at the end
 of the day.

No Swipe Fees

No swipe fee is a huge savings.
Most traditional solutions charge .
10 cents per swipe. For you, it’s Free

No Interchange Fees

Interchange is automatically assessed
at each transaction at the point of sale. You don’t Pay a dime.

No change in rates

You will never pay for processing fees. Your rate is 0% and that will never change.

All cards welcome

You can accept all major credit card brands, as much as you like, and it still costs you Nothing to process.

  • This Program is the Only Compliant Automatic Credit Card Discount Program
  • U.S. Patented - US 8131619 B1, US 8478689 B1, US 8423439 B1
  • The Only solution to have acquired 3 Full U.S. Patents 
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    Compliant with all Card Brand Rules
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    Available in all 50 states
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    Next day funding
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    EMV Chip Card Compatible (October 2015 requirements)
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    100% PCI Security Card Data Compliant

Additional PaymentUSA
Freedom Features

  • Apple Pay Compatible
  • Free Online Report
  • 24/7 Account access
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    Dedicated Representative 
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    Samsung Pay Compatible
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    Integrated Pin-Pad
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    Easy Setup 
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    Easy Qualification
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    Paperless Billing

Z8 Tri-Comm

​Features:

  • EMV and NFC Contactless Built In - EMV 4.x L1 and L2 certified
  • Tri-Comm capability (Dial, IP, & WiFi)
  • Connect to WiFi easily, self discovering so the terminal finds all available Networks!
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    2.4ТТ Color LCD with backlight
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    192 MB of Memory (128 MB RAM / 64 MB DDR RAM)
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    Model: The Vega 3000 is PCI PTS certified
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    Apple Pay, Samsung Pay, Google Wallet, Visa payWave, MasterCard PayPass 
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    Display logo on the screen and print logo on the transaction receipts
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    32bits 400MHz high speed microprocessor

​​MPOS Z1

 BLUETOOTH

Features:

  • Bluetooth & WiFi
  • MPOS (mobile point-of-sale) implementations increases workforce mobility and its ultra-lasting battery performance enables cost effective payment transactions anywhere.
  • Restaurants, hospitality, retail and small business merchants, line buster
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    Expansive memory for multi app support, stable and cost efficient Linux open architecture operating system allows flexibility in the integration of business applications.
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    Compact palm size yet big on security standards, the MP220 Model is PCI PTS 4.0 and EMV 4.x L1 & L2 certified. With built-in triple track bi-directional magnetic stripe reader and on screen contactless reader

Z11 Tri-Comm

TOUCH SCREEN

Features:

  • EMV and NFC Contactless Built In - EMV 4.x L1 and L2 certified
  • Tri-Comm capability (Dial, IP & WiFi)
  • 3.5Ф TFT LCD with PCT touch screen for signature on the screen
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    2.4ТТ Color LCD with backlight
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    192 MB of Memory (128 MB RAM / 64 MB DDR RAM)
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    Model: The Vega 3000 is PCI PTS certified
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    Apple Pay, Samsung Pay, Google Wallet, Visa payWave, MasterCard PayPass, 
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    Display logo on the screen and print logo on the transaction receipts
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    Scroll multiple images on the terminal display when in idle mode
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    Ideal for signature capture and upload to the DeNovo business portal
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    Great solution for SPIn integration to POS systems
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    32bits 400MHz high speed microprocessor

PaymentUSA Freedom
Technology is built right in

All Terminals come fully installed with the Discount for Cash Program, are plug and play and have integrated pin pads so you can get straight to the savings.

Simple 5 minute setup right out of the box

You don’t have to be a tech whiz to get your terminal running. Just plug it in and you’re ready to process, all the fancy stuff has already been done for you. Rest assured, you won’t ever have to worry about switching processors again. An account rep is always standing by to help if you need any assistance.

PaymentUSA Freedom fits Any Type Of Business

No matter what kind of business you have, you can save hundreds, even thousands per month with the Payment USA FREEDOM plan.  If saving money, and adding to your bottom line matters to you, then the FREEDOM (discount for cash plan) is a no-brainer.  Start putting money back in your pocket today!

  • Convenience store
  • Fine Dining
  • Landscape Services
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    Consultants
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    Retail Sales
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    Dental Offices
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    Optometrists
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    Restaurants/Bars
  • Pest Control
  • Marketing/Advertising
  • Non-Profit Organizations
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    AC & Heating 
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    Remodeling
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    Car Wash
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    Auto Parts/Sales
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    Kiosk
  • Repair/Maintenance
  • Child Care Services
  • Construction
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    Contractors
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    Equipment Rental
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    Truck Stops
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    Athletic Trainers
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    Day Spa
  • Accountants
  • Tax Preparation
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    Bakery
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    Grocery Stores
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    Chiropractic Offices
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    Undercover Superheroes
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    Nail Salon
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    Fashion Outlet

Happy Customers


Laurie Andrews

-Troy, MI

"I opted to use the cash discount credit card program in my place of business. Honestly, it has worked out great. I have no complaints from customers as I thought I may. Actually, my customers that do comment, are in agreement with my actions. I think all merchants should consider this program as a way to keep their prices down. Hope this helps in considering your choice."

Johnathan Flynn

- Dallas, TX

"I am so surprised at how much savings I am actually realizing. I have switched credit card processors at least 5 times. The discount for cash program is a win win. I’m saving money on all my credit card sales, or I am getting paid in cash. I wish this was legal years ago."

Jason Montoya

Tacoma, WA

"I initially thought that my customers would react negatively to the new program, but actually the fee is relatively small for each customer, and they have the added benefit of the discount for cash payment. Even though the fee is small for the customer, it really adds up for me in savings. I’m really glad I made the switch."

Debra Nemmings

-Auburn , MI

"I am very satisfied with this program. It has been working great for my business."