Zero fee processing is a pricing strategy that adds a predetermined price to any credit card transaction (which can sometimes be confused with a “cash discount” scheme). Zero fee processing often called “reverse fee processing” or “free processing” leverages surcharge revenue to help businesses pay transaction fees for accepting electronic payments. The Zero Credit Card Processing Fees for E-commerce Merchants Georgia program is for businesses that accept credit cards over the counter. A corporation does not have to register with any big credit card provider under this arrangement, and all charges are paid by check, cash, or ACH. In all 50 states, the process is lawful.