Short answers to the questions we get most.
If yours isn't here, call or text us. A person answers, not a phone menu.
Getting started
How fast can I be up and running?
Approval is same-day on most accounts. Your agreement comes within 3 hours to e-sign, evenings and weekends included. Once it's signed, your equipment ships and we set it up with you.
What do I need to apply?
Your business details, the owners' information, a voided check or bank letter for your deposits, and a photo ID. The application takes about ten minutes and saves as you go, so you can finish it later from your phone.
Do I have to buy equipment?
Not always. Many merchants qualify for free equipment. Ask if you qualify. If you don't, the price is on your quote before you sign anything, and it's the price you pay.
What if I'm on a contract with someone else?
Send us the agreement with your statement. Some agreements carry an early-termination fee and some don't. We put that number next to what you'd save with us, so the decision is yours and nothing surprises you.
Can I keep the POS or terminal I have?
If it's Clover, your whole setup stays. We board a new Clover device of the same model — processor rules mean the physical unit itself can't be reused — and move your menu or catalog, customers, loyalty and rewards over exactly as they are. Even a Clover Capital balance moves with you. Other terminals we re-program when the model allows. Square and Toast hardware stays with them, so we bring the replacement and migrate your catalog, customers and loyalty.
Pricing and fees
Which pricing model is right for me?
Counters with everyday tickets usually do best on Dual-Pricing by ZEZE: the card price covers the processing and you pay nothing. Large tickets, B2B and mostly-online businesses often do better on interchange-plus. Send a statement and we show you both numbers within 24 hours.
What is interchange?
The wholesale cost of accepting a card, set by the card networks and paid to the bank that issued the card. It varies by card type. We pass it through at cost and never add to it.
Will my rate go up?
No. We never raise our pricing. The markup you sign up with is the markup you keep. Card-brand interchange passes through at cost, so if a card network changes interchange, you see that change at cost and nothing more.
Is there a contract?
No. No contract, no early-termination fee, no monthly minimum, no PCI fee, no hidden fees. If we don't earn your business every month, you can leave.
Is online more expensive than in person?
A little. The card brands charge more when the card isn't present, and that cost passes through at cost. Your statement tells us exactly where you land today, and we show you the number for both.
Dual pricing
Is dual pricing legal?
Yes, in all 50 states. The rules: the difference between the cash price and the card price is capped at 4%, it applies to every card type except EBT, and the card price is the advertised price. We set up your terminal, signage and receipts to follow them.
Which cards does dual pricing apply to?
Every card type: credit, debit and PIN debit. EBT is the exception; those sales always ring at the cash price.
What do I pay ZEZE on dual pricing?
Nothing monthly and nothing per transaction. Your customers' card price covers the processing. The only other cost is equipment, and many merchants qualify for free equipment.
How does it show on the receipt?
The receipt lists the items, then one line called card adjustment, then the total, which is the posted card price. Customers who pay cash see no adjustment line.
Getting paid
When do I get my money?
Deposits land the next day. Weekends and holidays excepted. Your ATM share and gift card sales settle to the same account.
What happens with a chargeback?
You're notified, you send the proof, and a person at ZEZE helps you answer it with the right paperwork. Chip and PIN in person and address checks online keep most of them from happening in the first place.
Can I accept ACH?
Yes. ACH comes with your merchant account. It costs a fraction of a card on a large invoice and settles to the same bank account.
Security and support
Do I pay a PCI fee?
No. We never charge a PCI fee. We help you complete the yearly PCI questionnaire so your account stays compliant, and we don't bill you for it.
When can I reach support?
Support is 24/7. Call or text (480) 737-0532 and a person at ZEZE answers, not a phone menu. Email support@zezepayments.com if it isn't urgent.
Do you speak Spanish?
Yes. We speak English, Spanish and Arabic. Call or text us and ask.