Zero-Cost Processing

GPA offers solid financial solutions to meet our clients' needs rather than trying to make a business entity fit the financial system. Unlike other firms, we provide a wide variety of financial solutions, one of which is our Zero-Cost Credit Card Processing.

Month after month, your merchant services clips takes 2.5 to 4% off the top of your earnings for giving your patients the convenience of using a credit card. This decreases your cash flow and gives them cash rewards.

The Rules Have Changed

New rules allow merchants to add a fee for the use of credit cards.

This applies to all credit cards, but debit cards are not part of the change.

How is this done?

Our patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card before the transaction is processed. Zero-Cost Credit automatically applies a fee whenever a credit card is swiped or entered so that you receive 100% of the amound of your sale.
Note: This can only be done when the merchant is in strict compliance with the new rules - PENALTIES ARE SEVERE


Zero-Cost Processing increases consumer fairness

Credit cards cost more to accept than cash or debit cards. Under the old rules, merchants were not able to add fees for the use of credit cards, so they passed on this cost to all customers.

When all customers bear the cost of credit cards, the average credit card user receives a subsidy of $1,133 each year from customers who choose cash or debit.1

1 Federal Reserve Bank of Boston, “Who Gains and Who Loses from Credit Card Payments?” Public Policy Discussion Paper No. 10-03, 2010.

Customers' acceptance is high

This increases your bottom line (GPA Capital's Mission) and at the same time provides the customer with the choice of managing his payment methods. Passing this cost on to the patient is now "common place" with the acceptance of airline bag fees, courier fuel surcharge, and "convenience fees" on online payments.

Penalties are high for merchants who are not in compliance.

There are two different compliance issues. One is the PCI compliance. If you are deemed out of compliance with this, you will be charged additional fees monthly until problem is corrected. Service charges are also increased dramatically when one is not EMV compliant. However, these fees pale to becoming liable for losses incurred by no having your chip/pin set up properly.