$0.00
Zero-fee processing
Accept Visa, Mastercard, Amex and Discover without giving up a percentage of every sale.
New Zero-fee processing is here →
Stop paying
Stop paying
to get paid.
Keepwell's zero-fee program lets you accept every card while keeping 100% of your sales. Nothing upfront to get started.
- $0 to get started
- No processing fees
- Next-day deposits
Accept every way to pay
VisaMastercardAmerican ExpressDiscoverApple PayGoogle PaySamsung PayACHTap to PayVisaMastercardAmerican ExpressDiscoverApple PayGoogle PaySamsung PayACHTap to Pay
Zero-fee processing
Keep 100% of every card sale.
With a cash discount program, card fees are covered at checkout instead of coming out of your margin. It's set up for you, fully compliant, in days.
Show two prices
Your register shows a card price and a slightly lower cash price. We handle the signage and receipts so you stay compliant.
Customers choose how to pay
Card customers pay the card price, and cash customers save. Most customers are already used to this from gas stations.
Your terminal handles it
The math happens automatically on every sale. Your staff doesn't have to do anything different.
You keep 100%
Your full sale lands in your account, with deposits as soon as the next business day.
Solutions
Everything you need to get paid. Nothing you don't.
Modern POS
Countertop and handheld systems with inventory, tips and reporting.
Next-day deposits
Your money in your account fast, not days later.
Mobile & tap-to-pay
Take cards anywhere with your phone or a pocket reader.
Real human support
A direct contact who knows your business, not a call center.
Online & e-commerce
Secure checkout for your website, online ordering, Shopify and WooCommerce.
Invoicing & text-to-pay
Send a link and get paid in minutes.
ACH & B2B
Low-cost bank payments and recurring billing.
Pricing options
Three ways to pay less.
Most owners choose zero fees. If another model saves you more, we'll tell you.
Cash Discount
$0 fees
- Dual pricing for card and cash
- Keep 100% of every sale
- Signage and compliance handled
Best for restaurants, auto shops, salons and retail
Credit Surcharge
Credit only
- Small surcharge on credit cards
- Debit stays at standard rates
- Available where state law allows
Best for contractors, B2B and large tickets
Interchange-Plus
True cost +
- Card-network cost plus one fixed markup
- No hidden tiers or junk fees
- A statement you can actually read
Best for medical, professional and high volume
Programs follow card network rules and applicable state law. Pricing is confirmed when you sign up.
Industries
Built for businesses that run on cards.
Restaurants
Tips, online ordering and fast tableside checkout.
Auto shops
Big tickets with zero fees make a big difference.
Medical & dental
Patient payments and payment plans.
Contractors
Get paid on site with mobile and text-to-pay.
Retail
Fast lines, inventory and every card accepted.
Salons & barbers
Booking-friendly checkout with tipping.
Professional services
Invoicing, ACH and recurring billing.
Your business
If you accept cards, we can help. Ask us.
The Keepwell promise
Payments that work for the owner.
This industry is known for teaser rates and fees that creep up later. We built Keepwell to do the opposite.
01
Nothing upfront
Get set up without paying to get started.
02
No surprises
Every fee and contract term is explained before you sign.
03
A real person
One direct contact who answers the phone.
04
Always compliant
Signage, receipts and programs set up to card network rules.
Is it really zero processing fees?
Yes. With a cash discount program, card fees are covered by the difference between the card price and the cash price, so the full sale is deposited to you. Some plans include a flat monthly software or equipment fee, and we'll walk you through exactly what applies to your business before you sign.
Is cash discounting legal?
Yes. Cash discount programs are permitted nationwide when they're set up correctly, with clear signage, receipts and pricing display. We set everything up to card network rules and state law.
Do I need to pay anything to get started?
No. There's nothing to pay upfront to get set up with Keepwell.
Will my customers mind?
Most customers are already familiar with card and cash pricing from gas stations, and the difference is small. Businesses that switch rarely see pushback.
Can I keep my current equipment?
Sometimes. Some terminals can be reprogrammed. If you need new equipment, we'll go over your options before anything changes.
How fast can I switch?
Most businesses are up and running within a few days of approval. We schedule setup around your hours so you never miss a sale.
Get started
Start keeping 100%.
Tell us about your business. We'll reach out within one business day with your options.
- 1Tell us about your businessTakes about two minutes.
- 2Get your optionsWe recommend the setup that saves you the most.
- 3Go liveWe handle setup, equipment and training.