NEW OPPORTUNITY FOR BUSINESSES

New regulations allow you to charge the customer for the processing and transaction fees. It's becoming common place with many businesses around the country, like Gas stations, Ticket purchases, PayPal and many others. Yet many businesses still don't know they can take advantage of this opportunity and save thousands of dollars. 

Listen to this video and see how your business can take advantage of these changes.

Starbucks is doing it

Starbucks is rolling out the Cash Discount Program in Florida without any push back.

Bungalow Restaurant is doing it

The Bungalow in Newport Beach California is now using the cash back program at their renown restaurant.  

Over 30,000 businesses are doing it

Merchants are learning that customers appreciate the choice of how they pay when it keeps the cost of goods and services down. 

NEED MORE INFORMATION? WATCH THIS EXPLAINER VIDEO

Are you sick and tired of paying credit card processing fees? Zero Cost Credit allows your company to do $100 in business and keep $100. By making this one easy adjustment you can significantly increase your bottom line. Customers get a discount for paying with cash. Those who don’t take advantage of the cash discount can pay 4% or less in credit card fees for their purchase. That is a small amount to the customer but a big savings to you. 

 Recent studies showed that 99.2% of customers found cash discounting not to be an issue at the point of sale. It has had no impact on companies’ sales volume. It does not affect consumer behavior.

WHAT OUR CUSTOMERS are SAYing

The businesses are extremely happy not paying transaction fees.  Especially on AMEX and other high cost credit cards

Testimonials

Meet our team

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam.

Changing your mind and changing world
PRESIDENT & FOUNDER

PAUL MULHERN

Paul has been a provider of all credit card merchant services to businesses across the country for over 30 years and has managed 25 independent sales offices. His expertise, insight and long-term industry relationships help Optimal provide best-in-class payment solutions and stay focused on the future.
Changing your mind and changing world
principal

jeff dowler

Jeff has been in the payment processing business for over 20 years and helped bring large-scale payment processing into the quick-serve industry. Jeff is a relationship builder and is gifted in building and leading high-caliber teams and forming strategic alliances and partnerships.
Changing your mind and changing world
principal

mick rispoli

With 20+ years experience in Direct Marketing, eCommerce, and Non-Profit markets. Mick specializes in not only providing unique processing solutions butstrives to educate his clients to help them better their internal processes to create a more cohesive business relationship experience for all.
Changing your mind and changing world
principal

ric bender

Ric oversees MBCard’s online presence and messaging. His banking and financial services background combined with deep marketing and advertising savvy help articulate what differentiates Optimal from other companies in the crowded and noisy merchant services industry.

The Industry believes most business will be passing the credit card fees to their customers in the next 3 – 5 years.

YOUR BUSINESS IS FULLY SUPPORTED

16,000 Merchants World Wide. Local Personal Account Consultants. Customer Service Oriented. Full Backend Support.

SOLUTIONS TO FIT ANY BUSINESS

Online. 
Virtual Terminal.
Mobile Payments.
Retail Terminals.

100% COMPLIANCE

Pass credit card processing fees to your customers and we take care of compliance for you.

NO CHARGE TO GET STARTED

No long term contracts.
No termination fee.
No equipment cost for a limited time.

Credit Card      
Rules

We Have the card brand rules covered. To pass on the credit card fee, merchants must comply with the contractual rules required by the card brands (such as Visa and MasterCard) as a condition of accepting their cards. Zero Cost Credit processing is a turnkey solution and automatically has you covered. 

CHANGE IS UNAVOIDABLE. YOU CHANGE EITHER TO STAY AHEAD OR TO CATCH UP.

MIKE HAWKINS

The Rule

The merchant must be registered with the card brands. 

The merchant must inform their customers of the credit card fee with appropriate signage at the store entrance (if applicable) and at the point of sale. 

The amount of the credit card fee must not exceed 4%, and the merchant must not profit from the credit card fee. 

The credit card fee and the price of the product or service must be processed together as one transaction. 

The receipt must show the amount of the credit card fee as a separate line item.

The merchant must not apply a fee to debit cards.

The solution

Our team completes each registration on your behalf.

Our team provides you with all necessary signage, keeping customers informed—and keeping you compliant.


Our solution passes on a 3.5% credit card fee. You receive 100% of your sale—no more or less. 


Our solution processes the credit card fee and the purchase amount as one transaction.


Our solution produces a receipt that itemizes the credit card fee. 

Our solution automatically detects when a debit card is entered and applies no fee.

Contact Us

We love helping businesses save money. It is unfortunate that so many people, business owners included, think the banks are paying for the rewards and points paid to the card holders, but we know that's not true. 

 We know it's the merchants who are paying these fees and we don't think it's fair for you to have to do that.

 If you feel the same way, contact us so we can get you more information.

Email info@mbcard.com