No Cost Merchant Services Program

A Whole New Approach. NO Interchange, NO Processing Fees, EVER!
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Calculate your Savings

What if you could pay 0%?

Do you enjoy paying for Airline Miles, Cash Back or Rewards Programs? Every time your business accepts a credit card payment, you end up paying for your customer’s reward program. The fees charged are based on the type of reward card used, and ultimately you’re paying, on average, between 3% and 4% of every transaction amount. What if you paid Nothing?

Imagine Making More… With NO Extra Effort.

Every year, your business pays thousands of dollars in credit card fees and interchange rates. With our No Cost merchant Services, you can eliminate your cost of processing credit cards and increase your revenue. We’ll even provide you with one free terminal to process.

 Here is what you can expect:

• No Interchange Fees
• No Statement Fee
• No Discount Rate
• No Annual Fees
• No Batch Fees

• No Transaction Fees
• No Set-up Fee*
• No Termination Fee
• No Hidden Fees
• No PCI Fees*

Become a member of the Exectras program and as a member, you receive a $0 Deductible, $100,000 per incident Data Breach Policy.

Free EMV Terminal

Our EMV Terminals ensure a compliant No Cost Program. We’ll provide you one, for free so you can start saving immediately.** Our state of the art terminals can process transactions over phone lines, Ethernet connections, or Wifi and can process every transaction including EMV and NFC (Apple Pay, Google Pay, etc.)

Get tools and expert customer service

Eliminating the excess fees is just one great benefit our Merchant Services offers. You get free access to FirstView – the power of reporting in a tool that will help you plan, execute and grow your business. Our solution provides e-commerce, mobile, virtual terminal and EMV terminal processing. You can process electronic checks, credit, debit and gift cards.

With Exectras Merchant Services, you’re protected against theft of cardholder information and you can rest assured you are adhering to the requirements of the Payment Card Industry Global Standard, including data encryption, end-user access control, and activity monitoring.

Finally, receive world-class service 24 hours a day, 7 days a week, 365 days a year.

Frequently Asked Questions

Q. Is it legal to charge a Service Charge?

A. The Dodd-Frank law prohibits a payment card network such as Visa or Mastercard from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards. No Cost, Cash discount is legal in all 50 states.

Q. How much is the Service Charge to the customer?

A. The Service Charge is a flat 3.5% for merchants with an average transaction of $25 or more. For average transactions under $25, a flat Service Charge will be customized for your business.

Q. How is your No Cost Program different than your “No Markup” program?

A. Our “No Markup” program eliminates the markup that every other processor charges your business, but interchange and bank fees are still passed through to you. Our No Cost Program eliminates all processing fees including Interchange and Bank Fees.

Q. What does it cost to get started?

A. Once you’re a member of Exectras, there are no additional fees to start your No Cost Program.

Q. How long is my agreement for?

A. As long as you are an Exectras Member, your No Cost program is on a month to month basis with no cancellation fee.***

Q. How do I inform my customers about the Service Charge?

A. We will provide you with a sticker that you can place on your door and counter. This lets your customers know that you offer a discount for cash. (See example below)

Q. How is the Service Charge applied to the transaction?

A. If a customer decides to use their credit card, a Service Charge line item will be displayed on their credit card slip under the Base Amount. (See example below)

Q. Can my customers use Debit, FSA, and HSA cards without paying a Service Charge?

A. Yes. Exectras provides a program that no other company can match, that allows you to choose whether or not you want to waive the service charge on Debit, FSA, and HSA transactions if you choose.

*Merchant must meet PCI Compliant standards.

**To qualify for a free terminal, your average No Cost monthly processing volume must be $15,000 or greater. Only 1 terminal is provided free, additional terminals can be purchased or leased as needed.

***Membership Fees still apply based on Membership Agreement.


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Exectras is a registered ISO of Fifth Third Bank, Cincinnati, OH