ZCP service is designed to reduce a business's cost of credit card acceptance to zero-net-cost by adding a surcharge paid by the consumer. Our patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card. ZCP automatically applies a fee whenever a credit card is swiped or entered so that the merchant gets back most if not all of the processing costs. With Zero-Cost Processing the business keeps 100% of the savings.