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PbN ZeroPay
Eliminate Credit Card Processing Fees

Accept all major credit cards with 0% processing fees–our surcharge
program helps you keep 100% of your credit card revenue.

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Benefits of Using
PbN ZeroPay

Our surcharge feature is perfect for practices that want to accept credit cards, but don’t want to pay the fees to do it. Our technology ensures you add surcharges only to eligible transactions, keeping everything completely compliant–PbN ZeroPay passes on the fee for credit card transactions only. 

Keep 100% of Your Credit Card
Revenue

Whether you collect payments in the office or on the  go, we’ve got you covered. By eliminating credit card fees, you get to keep 100% of your revenue every time a patient pays with a credit card.

Customers Can Avoid Processing Fees

PbN ZeroPay not only eliminate your business’s card fees with our Surcharge option, but it also encourages your customers to pay with cash or debit, putting money straight into your pocket and saving patients from having to cover any surcharges.

Explore Key Features That
Simplify Payments

Seamless
Integration

We fully integrate with Dentrix, Eaglesoft, OpenDental, Practice-Web, and with more coming soon.

Payment
Options

Make accepting payments a snap. Patients can pay in-person, online, or on-the-go from anywhere. 

Smart
Technology

Our surcharging compliance technology recognizes debit cards and won’t add the convenience fees.

Fully
Compliant

PbN Payment Zero includes all the necessary notices to
inform your customers of the convenience fee.

No Surprises
with Clear Fees

We conveniently highlight the surcharge fee on it’s own individual line item so there
are no surprises for you patients.

Patient
Friendly

We only pass on the fee for credit card transactions. Your patients can always choose debit as a no-fee option.

Free
Terminal

Terminals for $29.99 per
month, or get a FREE terminal
with over $15k a month in transactions.

Easy
Setup

Minimum setup and onboarding–just connect the POS terminal to the internet and start using it.

Full
Solution

Our payments platform just works–it acts as both a payment gateway and a payment service provider.

3 Easy Steps To Get Started with
PbN ZeroPay

  • Step 1

    Sign up with PbN ZeroPay.

  • Step 2

    Display the surcharge notice where patients can see it.

  • Step 3

    Accept all major credit cards in-person or online.

I’m Ready. Get a Demo Now

Frequently Asked Questions

Are surcharges legal in every state?

Surcharges are legal in 46 states, with specific prohibitions or restrictions in California, Connecticut, Maine, and Massachusetts.

How exactly does this work?

Credit card companies charge a fee each time a merchant processes a credit card payment. The practice pays this fee. With PbN ZeroPay, we’ll provide you with everything you need to accept credit cards at no cost to the practice. The patient covers the processing fees through a surcharge that is added to their final bill. Businesses need to inform the customer at the point of sale that there is a surcharge fee charged on all credit card transactions which can be avoided by paying with a debit card.

Is surcharging something new?

No. Many businesses have offered surcharges as a way to pass on the cost for accepting a credit card. Your patients always have a choice to pay with a debit card to avoid paying the credit card surcharge. 

Will I lose business by making patients pay surcharge fees?

Consumers are becoming accustomed to surcharges, especially as they see them more frequently. Clear and transparent messaging about surcharges (e.g., “A small fee applies to credit card transactions to help us manage processing costs”) will reduce frustration and make customers more understanding. Offering alternative payment methods without surcharges, such as cash or debit cards, allows customers to choose what works best for them, reducing potential dissatisfaction.