pricing plan that adds a predetermined price to any transaction that a consumer pays with a credit card (sometimes confused with a “cash discount” scheme) is called zero fee processing. Zero fee processing, sometimes known as “reverse fee processing” or “free processing,” uses the revenue earned by these surcharges to help businesses pay their transaction fees for taking electronic payments. The Zero Credit Card Processing Fees for E-commerce Merchants Florida program is designed for shops that accept credit card transactions over the counter. In this arrangement, a company does not need to register with any major credit card company, and all costs are paid by check, cash, or ACH. The procedure is legal in all 50 states.