As a business owner, you’re always balancing cash flow with keeping customers happy. One common headache is managing the merchant fees—often ranging from 2% to 4%—that vary based on the types of cards accepted and the way transactions are processed each month. With EPIC ZERO, you can eliminate the guessing game of how much money to set aside every month for these fees while delivering added value to both your cash-paying and credit-using customers.



The Hidden Cost of Merchant Fees

Merchant fees can be unpredictable, varying with factors such as the type of card used (debit versus credit) and the transaction method (swiped, dipped, or keyed-in). Traditionally, this meant that businesses had to reserve a percentage of their revenue—sometimes up to 4%—to cover these fees. This practice not only ties up capital that could be reinvested into your business but also complicates your budgeting and cash flow planning.

What Is EPIC ZERO and How Does It Work?

EPIC ZERO is a smart strategy that separates the cost structure for cash transactions from credit card transactions. When you adopt EPIC ZERO, you effectively establish two distinct pricing models:

• Cash Pricing: By offering a discount for cash transactions, you encourage customers to pay with cash. This eliminates the merchant fees associated with credit card payments, increasing your net revenue.
• Credit Pricing: For customers who prefer the convenience of paying by card, the pricing includes the merchant fee. This way, the fee is transparently built into the cost of the product or service, ensuring that you’re not absorbing unexpected expenses.

This approach means you’re no longer forced to “guess” and reserve a lump sum each month for fees. Instead, your pricing reflects the actual cost of processing credit transactions, and cash sales can help boost your profit margins.

Key Benefits for Your Business

1. Improved Cash Flow Management

With EPIC ZERO, you have a clear understanding of your transaction costs. You eliminate the uncertainty of setting aside extra funds for merchant fees each month. Instead, you can more accurately forecast your cash flow and reinvest in your business where it matters most.

2. Enhanced Pricing Transparency

Customers appreciate transparency. When the cost of processing a credit card payment is clearly communicated, your pricing becomes more straightforward. This openness builds trust with your clientele, as they understand exactly what they’re paying for and why there might be a slight difference when choosing credit over cash.

3. Incentivizing Cost-Effective Payment Methods

By offering a discount to cash-paying customers, you’re not only saving on fees but also encouraging a habit that benefits your bottom line. Cash transactions are processed immediately and at a lower cost, freeing up valuable resources for other aspects of your business.

4. Flexibility and Control

The EPIC ZERO model gives you the flexibility to adjust your pricing strategy in real time. Whether there’s a shift in the types of cards accepted or changes in processing methods, EPIC ZERO helps you stay ahead of fee fluctuations without constant manual adjustments.

Benefits to Both Cash-Paying and Credit-Using Customers

• Cash-Paying Customers: They benefit from lower prices due to the absence of merchant fees. This discount is a tangible reward for choosing a more cost-effective payment method, and it can help drive loyalty and repeat business.
• Credit-Using Customers: They still enjoy the convenience and security of paying by card. Although the fee is built into the price, it provides you with the flexibility to accommodate different customer preferences while ensuring that you cover the processing cost.

Why Choose EPIC Merchant Systems?

EPIC Merchant Systems isn’t just a payment processor—it’s a strategic partner dedicated to helping your business thrive. By implementing EPIC ZERO, you can simplify fee management, boost profitability, and offer your customers clear, fair pricing options. Our goal is to empower you to focus on what you do best—running your business—without the constant worry of fluctuating merchant fees.

Try EPIC ZERO Today

If you’re interested in experiencing how well this program works for your business, we are excited to offer a free 3-month trial of EPIC ZERO. This trial gives you the opportunity to see firsthand how our solution can streamline your fee management and boost your bottom line—risk-free.

In today’s competitive market, smart pricing strategies make all the difference. With EPIC ZERO, you not only safeguard your cash flow but also create a win-win scenario for both you and your customers.

Ready to transform your business and take control of your merchant fees? Contact EPIC Merchant Systems today and discover how our EPIC ZERO solution can drive your business forward.