Fee-Free Credit Card Processing Cleveland TN

Fee-free credit card processing in Cleveland TN eliminates all merchant processing fees. The Free Terminal's dual-pricing model lets you accept all major cards while paying $0 in processing costs.

Fee-free credit card processing in Cleveland TN allows your business to eliminate all merchant processing fees while accepting Visa, Mastercard, American Express, and Discover. The Free Terminal's innovative dual-pricing model gives customers payment options while you keep 100% of your revenue.


Traditional credit card processing in Chattanooga and Cleveland costs businesses 2-4% per transaction. For a business processing $10,000 monthly, that's $200-$400 in fees, $2,400-$4,800 annually. Our fee-free credit card processing eliminates these costs entirely, putting thousands back in your pocket.


Our Cleveland TN fee-free processing works through dual pricing: customers see both a cash price and a credit card price. Those paying with cash or debit get the lower price. Those choosing credit cards pay a slightly higher price that covers processing costs. You pay zero fees either way.


This approach is legal, transparent, and increasingly popular among Tennessee businesses. Unlike surcharging (which adds fees at checkout), dual pricing displays both prices upfront. It's compliant with card network rules and Tennessee law.

Benefits for Cleveland TN Businesses

Fee-free credit card processing in Cleveland TN eliminates all merchant processing fees. The Free Terminal's dual-pricing model lets you accept all major cards while paying $0 in processing costs.
  • Eliminate 100% of credit card processing fees for your Cleveland TN business


  • Accept all major credit cards: Visa, Mastercard, Amex, Discover


  • Transparent dual-pricing model compliant with Tennessee regulations


  • Keep competitive cash pricing while covering credit card costs


  • No contracts, no hidden fees, no monthly minimums


  • Save $2,000-$5,000+ annually compared to traditional processing


Frequently Asked Questions

  • How does fee-free credit card processing work in Cleveland TN?

    Fee-free credit card processing uses dual pricing. You display two prices: a cash/debit price and a credit card price. Customers paying with credit cards pay the higher price, which covers processing costs. You pay $0 in merchant fees. This is legal and compliant in Tennessee.

  • Is fee-free processing legal in Cleveland and Chattanooga?

    Yes. Dual pricing is legal in Tennessee and compliant with Visa, Mastercard, and other card network rules. It's different from surcharging, you're simply offering different prices for different payment methods, which businesses have always been allowed to do.

  • Will customers be upset about dual pricing?

    Most Cleveland TN customers understand and accept dual pricing. They see it at gas stations, convenience stores, and increasingly at retailers and restaurants. The key is transparency: clearly displaying both prices upfront so customers can choose their preferred payment method.

  • How much can my Cleveland business save with fee-free processing?

    Savings depend on your credit card volume. If you process $10,000 monthly with typical 2.5% fees, you're paying $250/month ($3,000/year) in processing fees. Fee-free processing eliminates this entirely. Businesses processing $50,000+ monthly save $15,000+ annually.