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Take Control of Your Profits

Accept Cards Without Sacrificing Your Bottom Line
 

Running a food truck is tough. Every dollar counts. That's why more food truck owners are turning to Zero Cost Credit Card Processing — a smart way to keep profits high without saying "no" to card-paying customers. Here at FTO, we're ready to help you decide if it's the right fit for your business. Learn More about Zero Cost Processing

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What Is Zero Cost Credit Card Processing?

Zero Cost Credit Card Processing lets you accept credit cards without absorbing expensive processing fees. Instead, your customers cover them — leaving you with 100% of your hard-earned money.

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There are three main strategies to make it happen:

  • Dual Pricing

  • Cash Discounting

  • Surcharging
     

Each one is a flexible, fully legal way to accept cards while protecting your profits.

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Your Options Explained

Dual Pricing

  • Definition: Two prices shown — cash and card.

  • Example: "Taco Plate — $10.00 Cash / $10.40 Card"

  • Why It's Great: Total transparency. Customers love the choice!
     

Cash Discounting

  • Definition: List the card price, reward cash payers with a discount.

  • Example: Menu says $10.40. Pay $10.00 in cash.

  • Why It's Great: Encourages more cash without confusion.
     

Surcharging

  • Definition: Add a small fee when a card is used.

  • Example: "Taco Plate $10.00 — Credit card payments include a 3% processing fee (Note: Card brand rules cap surcharges at 3%)."

  • Why It's Great: Keep menu pricing simple and cover your costs.

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Quick Comparison: Which Method Works Best for Your Truck?​​​​​
Dual Pricing
Cash Discounting
Surcharging
Best For
Menus with fewer items and space for two clear prices
Universal — works for all types of menus
Online orders or where accepting cash is not a preference or option
Compliance
100% legal when properly done
100% legal
Legal in most states (check a few exceptions)
Customer Feel
Very transparent
Positive with clear signage
Fine if explained briefly
Display
Two prices side-by-side
One price with cash discount at checkout
One price with fee added at checkout
Frequently Asked Questions

Is Zero Cost Processing legal?
Yes. Dual Pricing, Cash Discounting, and Surcharging are all legal when implemented correctly and in compliance with applicable state laws and card brand regulations.

Will customers accept it?
Most customers are already familiar with these pricing models. Clear signage and transparent communication make the transition seamless.

Will I need new equipment?
Most POS systems can support one or more of these pricing methods. We'll help determine whether your current equipment is compatible or recommend the best solution for your business.

Ready to Keep 100% of Your Sales?

Not every food truck should use the same pricing model. Schedule a FREE Payment Consultation and we'll review your current setup, explain your options, and recommend the solution that best fits your business.

→ Schedule Your Free Payment Consultation Today! 
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