Zero Cost Processing in Cave Creek, AZ
Stop Paying Credit Card Fees. Keep More of What You Earn.
Running a business in Cave Creek isn’t cheap. Rent, payroll, inventory, utilities. It adds up fast.
Now think about this. Every time a customer pays with a card, you lose a percentage of that sale. Month after month. Year after year.
What if you didn’t have to?
At Good Payments Merchant Services, we help local businesses switch to zero cost processing, so you can accept cards without eating the fees yourself.
What Is Zero Cost Processing?
Zero cost processing is a pricing model where the cost of credit card transactions is passed to the customer as a small service fee.
You still get paid in full. No percentage taken out. No surprise deductions.
Here’s how it works in real life:
- A customer pays with a card
- A small fee is added to the transaction
- You receive the full sale amount
If they pay with cash or debit, they usually avoid the fee.
Is This Legal in Arizona?
Yes. Zero cost processing, also called a surcharge program, is legal in Arizona when done correctly.
But here’s the part people miss.
You must follow rules from card brands like Visa and Mastercard. That includes:
- Clear signage for customers
- Proper receipt wording
- Fee limits
We handle all of that for you. You don’t have to guess or risk doing it wrong.
Why Cave Creek Businesses Are Switching?
Local business owners are getting tired of unpredictable processing bills. One month it’s manageable. The next month, it spikes.
That’s why businesses near places like Cave Creek Regional Park and Frontier Town are making the switch.
Here’s what’s driving the change:
You Keep More Revenue
Instead of losing 2 to 4 percent on every card sale, you keep it.
Predictable Costs
No more guessing your monthly fees.
Works With How Customers Already Pay
Most people use cards anyway. This just shifts how fees are handled.
Fast Setup
You don’t need weeks to get started. Most businesses are up and running quickly.
Who Is This Best For?
Zero cost processing works especially well for:
- Restaurants and cafes
- Retail stores
- Auto repair shops
- Salons and barbershops
- Medical and dental offices
- Service-based businesses
If you process a lot of card payments, this can make a big difference fast.
What About Customer Pushback?
This is one of the biggest concerns. And honestly, it’s a fair question.
Here’s what actually happens.
Most customers don’t mind small service fees because they’ve already seen them everywhere. Gas stations, small shops, even some large businesses.
Plus, you give them a choice.
- Pay with cash and skip the fee
- Use a card and pay the small convenience cost
People like having options.
The Equipment You’ll Use
We make sure everything works smoothly with tools you already know.
Payment Technology Includes:
- Point of Sale (POS) systems
- EMV chip card readers
- NFC-enabled terminals for tap payments
- Mobile card readers
- Virtual terminals for phone payments
You can accept:
- Visa, Mastercard, American Express, Discover
- Apple Pay and Google Pay
- ACH and eCheck payments
Built for In-Store, Online, and Mobile
Your customers don’t all pay the same way. That’s why we support multiple setups.
In-Store Payments
Fast checkout with modern POS systems and tap-to-pay.
Online Payments
Use gateways that connect with platforms like Shopify and WooCommerce.
Mobile Payments
Take payments anywhere. Great for field services and pop-up businesses.
What Makes Good Payments Merchant Services Different?
There are a lot of processors out there. Most of them sound the same.
Here’s where we stand apart.
Clear Pricing
No hidden fees. No confusing statements.
Real Support
You get help from real people, not endless phone menus.
Fast Approval
We get merchant accounts approved quickly so you can start right away.
Experience That Shows
We’ve worked with businesses across Scottsdale, Phoenix, and nearby areas. We know what local businesses deal with daily.
Security You Can Trust
Handling payments means handling sensitive data. That’s not something to take lightly.
We follow PCI DSS compliance standards, which protect cardholder data through:
- Encryption
- Tokenization
- Fraud detection systems
You stay protected. Your customers stay confident.
Common Mistakes Businesses Make
A lot of business owners try to switch on their own. That’s where problems happen.
Mistake 1: Not Following Compliance Rules
This can lead to fines or account shutdowns.
Mistake 2: Poor Customer Communication
If signage isn’t clear, customers get confused.
Mistake 3: Choosing the Wrong Setup
Not all systems are built the same.
We help you avoid all of this from day one.
How Much Can You Actually Save?
Let’s keep it real.
If you process $20,000 per month and pay around 3 percent in fees, that’s $600 gone every month.
That’s $7,200 per year.
With zero cost processing, that money stays in your business.
Service Areas Around Cave Creek
We proudly support businesses in:
- Cave Creek
- Carefree
- Scottsdale
- Phoenix
- North Phoenix and surrounding communities
Getting Started Is Simple
We don’t make this complicated.
Step 1: Quick Consultation
We learn about your business and current setup.
Step 2: Custom Setup
We match you with the right equipment and configuration.
Step 3: Go Live
Start accepting payments and keeping more profit.
Ready to Stop Losing Money on Every Sale?
Here’s the bottom line.
You’re already doing the work. You should keep more of what you earn.
If you’re in or around Cave Creek and want a better way to handle payments, we’re here to help.
Is zero cost processing the same as cash discounting?
Not exactly. They’re similar, but structured differently. We’ll explain both and help you choose what fits your business.
Will I lose customers if I add a fee?
Most businesses don’t. Customers are already used to small fees, especially when there’s a cash option.
How long does setup take?
In many cases, just a few days. Sometimes even faster depending on your needs.
Do I need new equipment?
Not always. We can often use what you already have or upgrade if needed.
Is this compliant with card brand rules?
Yes, as long as it’s set up correctly. We handle compliance so you don’t have to worry.
Can I use this for online payments?
Yes. We support e-commerce gateways and virtual terminals.
What happens if a customer disputes a charge?
You’ll still have access to standard dispute and chargeback support just like traditional processing.
Solutions For All Types Of Payments
Contact Info
Location
1776 N Scottsdale Road #8252
Scottsdale, Arizona 85252
Phone
Real Words from Real People We’ve Helped
