Pennmark Financial
Free Card Processing
- Free Processing, Accept Credit Cards at 0% Cost
- Guaranteed Hardware protection for just $10/month
- Cloud Based POS Software
- Quick Onboarding & Free Account Setup
- 100% Compliant & Transparent, No Hidden Fees
- Perfect for New Ventures or Established Businesses
What Is Free Card Processing?
Free Card Processing is a compliant payment model that allows businesses to eliminate or significantly reduce the burden of credit card processing fees. Offered through Pennmark Financial’s partnership with Quantic, it operates using a dual pricing system that meets all legal requirements. Two prices are shown at the point of sale: one for customers paying with cash, and another for those using a credit or debit card.
The key idea is that the cost of card transactions is passed on to the customer who chooses that payment method rather than being absorbed by the business. This approach helps retailers protect their profit margins without increasing prices for all consumers.
By providing transparent pricing and a clear payment choice at checkout, Free Card Processing empowers consumers while ensuring full regulatory compliance.
Accept Credit Cards at 0% Cost
Tired of losing profits to credit card fees? Through Pennmark Financial’s zero-cost processing program, merchants can now accept credit cards with no processing fees – 100% legally and with no hidden charges.
Get started with free card processing, powerful Free POS software, and full support, all made accessible through flexible options from Pennmark Financial, with no upfront cost and no long-term contracts.
This offer is available to all merchants. Terms and conditions apply.
0% Credit Card Processing Fees
Say goodbye to monthly processing bills. With Pennmark Financial’s dual pricing program, you pay nothing for credit card processing transaction fees are passed directly to customers, fully legally and transparently. It’s a smarter way to protect your profit margins.
Free POS Software Included
Through our partnership with Quantic, you’ll get access to powerful, cloud-based POS software at no cost. Manage sales, track inventory, monitor employee performance, and generate real-time reports, whether you run a restaurant or retail store.
Fast Approval & Free Account Setup
No setup fees. No long forms. Once approved, you can start processing payments and saving money right away with our fast and simple onboarding process.
100% Legal & Transparent
Our dual pricing model complies fully with state and federal laws. There are no hidden fees, just clear, honest savings. At Pennmark, transparency is part of our commitment.
Ideal for New or Established Businesses
Whether you’re launching a startup or optimizing an existing business, our Quantic-enabled payment solution helps you reduce costs from day one.
What You Get with Pennmark Financial
Enjoy zero processing fees, access to free Quantic POS software for managing sales and inventory, and dedicated support – all included through your Pennmark Financial program.
FREE Card Processing
- Process Credit & debit card 0% cost
- Accept all payment types: EMV (chip), Swipe, NFC (contactless)
- No monthly processing fees
- No setup, gateway, or PCI compliance fees
- No long-term contracts
Pay 0% in credit card fees when you qualify for our dual pricing program.
Free POS Software
- Process sales from a modern, touchscreen interface
- Manage inventory, customers, and staff
- View real-time reports and sales data from anywhere
- Track employee hours and permissions
- Customize menus, taxes, and pricing
- Works seamlessly for retail, restaurants, and service businesses
Software features may vary depending on your processing volume.
FREE Support & Onboarding
- Free onboarding and system setup
- Personalized training session for you and your team
- 24/7 customer support – chat, phone, and email
- Ongoing updates and software improvements at no charge
No additional fees for setup or support, it’s all included!
Who Is This Program For?
Businesses that frequently process credit and debit card transactions and want to increase profitability by reducing processing fees can benefit from Pennmark Financial’s Free Card Processing Program, available through our partnership with Quantic. It’s especially valuable for:
Retail Stores
Whether you run a specialty shop, electronics store, convenience store, or boutique, this program helps you stay price-competitive while avoiding the rising burden of card processing fees.
Restaurants & Cafés
From bakeries to full-service dining, dual pricing helps maintain profit margins without across-the-board menu price increases, giving your customers payment clarity and your business cost control.
Quick-Service & Food Trucks
In fast-moving environments, speed and efficiency are key. With zero cost card processing and access to cloud-based POS via our program, mobile and quick-service operators can keep profits intact while staying flexible.
Liquor Stores & Vape Shops
High transaction volume and thin margins make these businesses ideal candidates. This program helps reduce overhead so you can stay profitable and competitive.
Want Hardware Too?
Need a full POS setup with hardware?
We’ve got you covered. Pennmark Financial also offers POS programs with 0% upfront cost, including:
- 15.6” Android POS with Customer Display System
- Receipt Printer
- Cash Drawer
- EMV-Compliant Payment Terminal
- Optional Add-ons: Kitchen Printer, Barcode Scanner, Digital Scale
Ask about bundling free card processing with our hardware plans for the ultimate cost-saving package.
How to Get Started
Getting started is fast, simple, and 100% risk-free.
- Apply Online – Click the “Apply Now” button and submit your info
- Get Approved – Most applications are reviewed within business days
- Setup & Start Processing – We’ll guide you through setup and go live
Start Saving Today
Say goodbye to credit card fees and keep more of every sale with smart payment solutions.
Frequently Asked Questions (FAQ)
What is Free Card Processing?
Free Card Processing allows you to accept credit and debit card payments at 0% cost to your business. This is made possible through a legally compliant dual pricing model where the customer pays a small fee for using a card, meaning you keep 100% of your sale revenue.
Is this program free?
Yes, it’s truly free for merchants. There are no monthly processing fees, setup fees, or subscription costs. You simply pass on the processing fee to your customers at checkout. It’s a transparent, compliant way to eliminate your payment processing expenses.
What’s included in the Free Card Processing program?
You’ll receive:
- 0% credit card processing (you pay nothing in fees)
- Free POS software to run your business
- Free account setup and onboarding
- 24/7 customer support
Does this include POS hardware?
-
The Free Card Processing Program includes access to Quantic POS software. Hardware is available as an add-on or through our POS program, starting at $148/month with zero upfront cost. This package includes:
- 15.6” Android POS terminal with Display screen
- Receipt printer
- Cash drawer
- EMV card terminal
How does the Free Processing program work?
Pennmark Financial’s Free Processing Program, offered through our partnership with Quantic, uses a fully compliant dual pricing model to eliminate your credit card processing fees. Customers who pay with a card cover a small service fee, while cash-paying customers receive the standard price.
Is this legal in the U.S.?
Yes. Dual pricing and cash discount programs are 100% legal in all 50 states when implemented properly. Pennmark Financial ensures full compliance with all federal and state regulations.
Is this program available to businesses outside of the U.S.?
Yes, the Free Processing program is available to all businesses.
How do I get started?
Click “Apply Now” and fill out the quick form. A Pennmark representative will contact you to guide you through setup. It’s fast, easy, and includes free onboarding and support!