Accept cards not fees.
Accept cards not fees.
Accept cards
not fees.
Processing fees are a HUGE expense for small business.
We help curb rising cost, without raising prices.
Processing fees are a HUGE expense for small business.
We help curb rising cost, without raising prices.
Processing fees are a HUGE expense for small business. We help curb rising cost, without raising prices.
Eliminate the silent "tax" on your income
Give customers choice in how they pay without increasing your costs
Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do.
No Processing Fees
Include card processing fees in your regular price, by offering discount to pay with cash. We'll do the calculation so you get all of your hard-earned money.
Clean Reporting
Daily sales match deposits perfectly.
No more messy, confusing reporting, lengthly billing statements, or random unmatching deposits.
Full Payments Suite
Build and send invoices, accept payments online, and download our mobile app to take payments in the field.
No Processing Fees
Include card processing fees in your regular price, by offering discount to pay with cash. We'll do the calculation so you get all of your hard-earned money.
Clean Reporting
Daily sales match deposits perfectly.
No more messy, confusing reporting, lengthly billing statements, or random unmatching deposits.
Full Payments Suite
Build and send invoices, accept payments online, and download our mobile app to take payments in the field.
See how much money you are losing
every year in card processing fees
See how much money you are losing
every year in card processing fees
Enter your estimated annual processing volume below
to see how much you could save!
Enter your estimated annual processing volume below
to see how much you could save!
Our mission is…getting you paid
without fees.
Our mission is…getting you paid
without fees.
You are not alone
Join the growing list of small business owners using Zulio
"Super easy! Honestly, it works lightning fast and deposits match my sales totals every time!."
Jenna
"I can't believe we didn't find this earlier. We spent so much time working with random companies that had no idea what they were doing and horrible customer service. Using Zulio is like a dream"
Jacob
"Incredibly lightweight and easy to use. I use it for my personal training business and saved a ton of money! well worth it!"
Alex
"Great experience so far. We have a complex setup and they have way outperformed the previous two solutions we had tried out. Strongly recommend."
Stephanie
Questions?
How will customers react to paying a small fee?
Customers may be shocked to learn how much business owners actually pay in processing fees. Bringing awareness to this added expense will not only help your bottom line, but help the industry as a whole push back on ever increasing processing fees from card brands. Studies have shown that customers are willing to pay a small fee for the convenience of paying with card. A study by the National Retail Federation found that most customers are willing to pay a small fee to use a credit card. Similarly, a study by the Federal Reserve found that most consumers are willing to pay a fee to use a credit card. There are many benefits consumers receive by paying with card even though it costs a small fee, some customers may prefer to use a credit card for the rewards, purchase protection benefits, or just the connivance of paying for the transaction 30-60-90 days later.
Is this legal?
Yes. Dual Pricing is accepted by all card brands and legal in all 50 states. Some states or principalities may have additional requirements for signage or communications with customers prior to sale. As always, we recommend business owners to stay up to date with any local or state laws to be sure you are complying with any and all additional requirements. Dual Pricing follows the Durbin Amendment and, specifically, the section related to the “In-Kind Incentive” clearly protects programs such as the “Non-Cash Adjustment,” or “Dual Pricing” in the event that such programs made their way to the courts. In addition, the Expressions Hair Design case that went all the way to the Supreme court validated that the court believes a merchant has the right to communicate their prices however they like, provided the communication is clear. The practice of both “cash discounting” and the “in-kind incentive” are protected. The card brands in particular are not allowed to interfere with these practices, either directly or via their merchant contracts. Legal Disclaimer Neither Zulio nor the information, opinions, or ideas shared are to be considered legal advice. All parties understand that the various concepts contained require additional legal / professional advice to properly implement.
What is the difference bewteen dual pricing and surcharging?
Surcharging refers to the practice of passing processing fees to the customer for credit cards only. The business owner still pays for debit card transaction fees. Dual Pricing (offered by Zulio) wraps processing fees into your total price by offering customers a “cash price” and a “card price” giving customers choice in how they pay, eliminating your processing fees entirely.
How much more will the "card price" be vs. the "cash price"?
Zulio increases your regular price 4.00% to cover all processing fees. Want to keep $50.00? - Customer pays $52.00 - Your deposit is exactly $50.00. We will also be offering ACH payment options at a reduced cost as an alternative to customers. (Coming Soon)
How customers benefit by paying the processing fee?
There are many benefits to customers paying with a card vs cash: Convenience: Cards are widely accepted and makes it easy to make purchases without carrying cash. Earn rewards: Many cards offer rewards, such as cashback or points for every purchase made, this can add up significantly. Building credit: Use of cards can help build a positive credit history, which can lead to better credit scores and more favorable loan terms in the future. Fraud protection: Card companies provide fraud protection, if an unauthorized person uses your card, or product/service was not delivered they are not liable for the charges. Purchase protection: Many card companies offer purchase protection if an item is damaged or stolen within a certain period of time after purchase. Emergencies: Cards can be useful in case of emergencies when they need to make a purchase but don't have the cash on hand, or need 30-60-90 days to pay it off. It’s better they owe the bank than owe you.
How do I comunicate this to my customers?
You can communicate to customers that you offer a card price and a cash price by clearly displaying a sign and advising them of the different pricing options prior to sale.
How will customers react to
paying a small fee?
Customers may be shocked to learn how much business owners actually pay in processing fees. Bringing awareness to this added expense will not only help your bottom line, but help the industry as a whole push back on ever increasing processing fees from card brands. Studies have shown that customers are willing to pay a small fee for the convenience of paying with card. A study by the National Retail Federation found that most customers are willing to pay a small fee to use a credit card. Similarly, a study by the Federal Reserve found that most consumers are willing to pay a fee to use a credit card. There are many benefits consumers receive by paying with card even though it costs a small fee, some customers may prefer to use a credit card for the rewards, purchase protection benefits, or just the connivance of paying for the transaction 30-60-90 days later.
Is this legal?
Yes. Dual Pricing is accepted by all card brands and legal in all 50 states. Some states or principalities may have additional requirements for signage or communications with customers prior to sale. As always, we recommend business owners to stay up to date with any local or state laws to be sure you are complying with any and all additional requirements. Dual Pricing follows the Durbin Amendment and, specifically, the section related to the “In-Kind Incentive” clearly protects programs such as the “Non-Cash Adjustment,” or “Dual Pricing” in the event that such programs made their way to the courts. In addition, the Expressions Hair Design case that went all the way to the Supreme court validated that the court believes a merchant has the right to communicate their prices however they like, provided the communication is clear. The practice of both “cash discounting” and the “in-kind incentive” are protected. The card brands in particular are not allowed to interfere with these practices, either directly or via their merchant contracts. Legal Disclaimer Neither Zulio nor the information, opinions, or ideas shared are to be considered legal advice. All parties understand that the various concepts contained require additional legal / professional advice to properly implement.
What is the difference bewteen
dual pricing and surcharging?
Surcharging refers to the practice of passing processing fees to the customer for credit cards only. The business owner still pays for debit card transaction fees. Dual Pricing (offered by Zulio) wraps processing fees into your total price by offering customers a “cash price” and a “card price” giving customers choice in how they pay, eliminating your processing fees entirely.
be vs. the "cash price"?
How much more will the "card price"
Zulio increases your regular price 4.00% to cover all processing fees. Want to keep $50.00? - Customer pays $52.00 - Your deposit is exactly $50.00. We will also be offering ACH payment options at a reduced cost as an alternative to customers. (Coming Soon)
the processing fee?
How customers benefit by paying
There are many benefits to customers paying with a card vs cash: Convenience: Cards are widely accepted and makes it easy to make purchases without carrying cash. Earn rewards: Many cards offer rewards, such as cashback or points for every purchase made, this can add up significantly. Building credit: Use of cards can help build a positive credit history, which can lead to better credit scores and more favorable loan terms in the future. Fraud protection: Card companies provide fraud protection, if an unauthorized person uses your card, or product/service was not delivered they are not liable for the charges. Purchase protection: Many card companies offer purchase protection if an item is damaged or stolen within a certain period of time after purchase. Emergencies: Cards can be useful in case of emergencies when they need to make a purchase but don't have the cash on hand, or need 30-60-90 days to pay it off. It’s better they owe the bank than owe you.
to my customers?
How do I comunicate this
You can communicate to customers that you offer a card price and a cash price by clearly displaying a sign and advising them of the different pricing options prior to sale.
Tap to pay on iPhone.
No card reader needed.
Tap to pay on iPhone.
No card reader needed.
Accept contactless payments without a connected device, on your iPhone.
$14.99/month
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$14.99/month
Netflix
Fun
Subscriptions
Coffee
-$3.20
Bagel
-$5.62
Payday!
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Payday!
+$2,875
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Transactions
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$14.99/month
Netflix
Fun
Manage subscriptions
$189
1
2
3
•
0
$10/month
Spotify
Fun
$14.99/month
Netflix
Fun
Subscriptions
Coffee
-$3.20
Bagel
-$5.62
Payday!
+$2,875
Payday!
+$2,875
Home
Transactions
+$4,678.91
+2.11%
Incomes
View all transactions