Zero Percent Credit Card Processing


One Low, Fixed Rate – No Surprises

Processing fees, even for small credit card purchases, can add up quickly. With MiCamp WAVit™ , you’re able to process an unlimited amount of credit card transactions for one low monthly rate, accept all major credit cards, and increase your business’ profitability – all for a fraction of what you pay.
Better For You. Better For Business.

WAVit Cash Discount Program

What is the WAVit Program?

WAVit is a cash discount program designed to allow merchants to offset high credit card processing fees. Due to changes in card network rules, merchants now have the option to charge different prices for cash and credit card transactions. With WAVit, merchants pay a fixed monthly price for unlimited processing.


How does WAVit work?

The WAVit program allows unlimited processing volume for a single flat monthly fee. Merchants are provided with signage to inform their customers that all posted prices are at the cash discounted price For transactions where customers choose to pay with credit cards, the difference between the cash price and the credit price is added as a standard adjustment to the total price.


What is a cash discount program?

All items sold by the merchant are discounted for cash purchases. Merchants can offer their customers more competitive prices while reducing operating costs. All items sold by the merchant are discounted for cash purchases. All non-cash purchases will not receive the cash discount and the difference will be added as a standard adjustment* to the current marked price at checkout.


What Are The Benefits?     

  • Cost free processing = ZERO processing fees (the extra that the cardholder pays washes out the processing fee.)
  • Accept all major credit cards (Visa, Mastercard, Amex, Discover)
  • Increase merchant profitability
  • Use the savings to invest in and grow your business
  • No more confusing statements to decode
  • No more negotiating processing rates
  • Pay the same low, flat rate month to month

Sample Savings With WAVit


Without WAVitWith WAVit
Amount of Transactions
Submitted $93,492.29
Amount of Transactions
Submitted $93,492.29
Third Party Transaction Fee
Monthly Maintenance Fee
Credit Card Fees
Credit Card Fees
Total Fees Charged
Total Fees Charged
Total cost is $2,661.72 per
month or $31,940.64 per year
Total cost is $39.99 per month
or $479.88 per year
Total Annual Savings $31,460.76 per year

Who Does WAVit Work For?

WAVit works for all merchants!

  • Convenience Stores
  • Restaurants
  • Barber Shops
  • Hair and nail salons
  • Cigar and smoke shops
  • Independent/cab drivers
  • Dry cleaners
  • Parking garages
  • Retail stores
  • Storage centers
  • Medical centers and practices
  • Automotive dealers
  • Bakeries
  • RV rental stores and boat storage
  • Amusement and theme parks

Can Your Company Offer This Program?

Yes! WAVit is not a surcharge or a convenience fee to penalize credit card usage, but an inducement to use cash. WAVit can be offered in all 50 states.
Text from the Durbin Amendment
‘‘(2)(A) IN GENERAL. –A payment card network shall not, directly or through any agent, processor, or licensed member of the network, by contract, requirement, condition, penalty, or otherwise, inhibit the ability of any person to provide a discount or in-kind incentive for payment by the use of cash, checks, debit cards, or credit cards to the extent that by Federal law and applicable State law, such discount or in-kind incentive is offered to all prospective buyers and disclosed clearly and conspicuously.”
‘‘(B) LAWFUL DISCOUNTS. –For purposes of this paragraph, the network may not penalize any person for the providing of a discount that is in compliance with Federal law and applicable State law.”
Rulings From The Card Brands
Visa Core Rules and Visa Product and Service Rules Honoring All Visa Cards: “Merchants may attempt to steer customers who initially present a Visa Card to an alternative method of payment, such as by providing discounts for cash…”
Mastercard Rules 5.11.2 Charges to Cardholders: “A Merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any Merchant discount or any contemporaneous finance charge in connection with a Transaction. A Merchant may provide a discount to its customers for cash payments.”
Discover Merchant Operating Regulations R11.1 –Section 2.5 Surcharges and Discounts: “New terms permit you to offer discounts at the point-of-sale as provided in the Dodd-Frank Act. You may offer differential discounts depending on the method of payment (e.g., credit, debit, cash or check), but such discounts may not differentiate based on issuer or payment network…”
American Express Merchants Policy Guide Section 3.2: “You may offer discounts or in-kind incentives from your regular prices for payments in cash…”