Eliminate Your Credit Card Fees: No-Fee Processing
Keep up to 100% of your hard-earned revenue. Our Zero-Fee Merchant Processing program is fully compliant and designed to save businesses across United Sates thousands every year..
Maximum Profitability for Your Businesses
This powerful solution works seamlessly for businesses across the United States. Stop budgeting for processing fees and start investing those savings back into your company.
Retail Profit Protection Software
Essential for retail shops seeking to maintain margins.
Restaurant Fee Elimination
Significantly lower operating costs for cafes and restaurants
Contractor & Mobile Solutions
Mobile Terminals and field invoicing with no processing fees.
Why Choose Litespeed?
People are choosing Litespeed Payments as their No-Fee merchant processor to eliminate the direct cost of credit card processing, thereby maximizing profit margins and stabilizing cash flow. By utilizing our compliant cash discount programs, you effectively pass the transaction fees directly to the customer, ensuring you receive the full sale amount without absorbing the variable, percentage-based costs that typically cut into revenue. This model is complemented by rapid funding options and the removal of common merchant burdens like monthly fees, batch fees, and hidden charges, providing a transparent, predictable, and budget-friendly solution with essential features like acceptance of all major payment types and dedicated support.
Worry less about payments, focus more on your business
Digital Advertising and Website Design
Ask about our FREE ADVERTSING or WEBSITE package for qualifying merchants!
Digital Advertising
We specialize in tailored digital marketing solutions using the Google and Meta platforms.
Website Management
We also offer comprehensive website design, development and management.
FAQ: No-Fee Processing
Is No-Fee Processing legal in all 50 states??
Yes. Our program utilizes the Cash Discount model, which is fully compliant with all state and federal regulations, as well as Visa and Mastercard rules. We ensure your business is protected and fully transparent with customers.
Will my customers be unhappy about this program?
When implemented correctly with clear signage (which we provide) and proper staff training, customer acceptance is very high. They always have the choice to pay cash and receive the instant savings.
How does a Cash Discount Program affect my gross sales and revenue reporting?
The way you report sales depends on your accounting method, but generally: the Card Price (the price including the service fee) is the initial gross sale recorded. The discount given for cash payments is recorded as a reduction in sales. The net result is that the money you keep is higher because the fee that would have been a processing expense is now a cost covered by the non-cash price.
Do I need special equipment for a Cash Discount Program?
You need specific, certified equipment that automatically calculates the cash discount at the point of sale. We provide the latest POS systems and smart terminals customized for your business.
What is the legal difference between a “Cash Discount” and a “Surcharge” program?
A cash discount is a reduction from the posted price for cash payments, whereas a surcharge is an addition to the posted price for card payments.
How does the program handle chargebacks or refunds?
Chargeback fees still apply. If a customer initiates a chargeback, you will still be charged the processor’s fee for handling the dispute. For refunds, the system typically processes the refund based on the total charged (the card price), and the service fee is often refunded to the customer as well, but you may not recover the interchange cost depending on the card network’s rules.