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Still paying merchant fees?

Eliminate all your credit card processing fees.

Innovative Payment Systems' No Fee Program is the easy way to eliminate all your processing fees. Sign up today for a free account, then start saving with no set-up or contract required!

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No fee program

How it works

So Long Fees

All the processing fees will be incorporated into the sale, and a small fee is passed on to the cardholder.

Happy Customers

Your customers are rewarded with a 4% discount on their purchase when they pay with cash instead of credit cards.

More Revenue

You, the business owner, get 100% of the sale and at the end of the month, your processing fees will be ZERO!

Signage

We provide you with Point-of-sale pricing and discount signage that clearly spells out the process to customers.
Benefit #1

More Revenue

Increase your margins with unlimited no fee credit card processing. Absolutely zero hidden fees.

Next Day Funding
Zero Credit Card Processing Fees
Benefit #2

Next Generation Hardware

Drive sales with a frictionless checkout wherever and however your customers want to pay. Next-generation payment terminals, POS systems, invoicing and ecommerce integrations.

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Benefit #3

Enjoy 5-star Service

You'll love our U.S. based customer support team.

24/7 phone support
Business hours text support
Features

All the pain of traditional merchants have been removed.

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No Monthly Fees
Imagine receiving your monthly merchant account statement and seeing $0 next to total fees paid? You will with this program.
No Batch Fees
Why should you be charged for closing out at the end of the business day? Batch out as much as you like, it doesn't cost a dime.
No Swipe Fees
This is a considerable cost for most merchants. With IPS, you will never be charged to swipe a card again.
No Interchange Fees
We pay the interchange fees for you. Interchange typically makes up 90% of processing fees. With IPS, you pay nothing.
No Fee Inceases
Your rate is zero, and it will never increase with the IPS No Fee Program. You'll never have to haggle over rates ever again.
Next Day Funding
Put your hard earned money to work faster. With a 11pm eastern cutoff time have your money the next business day.
Customer REVIEW

Cannot recommend IPS enough!

“ It's been a year years since I found IPS and their No Fee Program, and it's such a relief as a small business owner to not worry about unnecessary fees. I was paying over 3% in fees before and those fees sure did pile up to a big number!
Darshan Patel
Prima Dora
Customer Story

Highly recommended!

“ We'll do the work of saving for them each month.When you know your bills are covered, you can focus on the fun parts of having money “
Joe Fisher
Product Manager @ Nike

Do You Qualify?

Time in business

You have been in business at least 1 year.

Monthly Revenue

Gross monthly revenue of at least $20,000.

Business Type

Not in a prohibited industry.

Business Location

We work with businesses in all 50 U.S. States*

How to qualify to work with Capitalized

Minimum Eligibility Requirements

Time in business

All ages qualify for our programs, including startups

Monthly Revenue

Gross monthly revenue of at least $20,000

Personal Credit

Your personal FICO score is 500 or above

Business Location

We work with businesses in all 50 U.S. States

Don't Keep Paying Credit Card Processing Fees.

Make this month the last month you pay to accept credit card payments for your business. Innovative Payment Solutions makes it easy.

Wave goodbye merchant fees!

Get Started

Give us a call:

(678) 730-5400
Monday–Friday 9am–6pm ET

Meet Innovative Payment Solutions, eliminating credit card processing fees for your business has never been easier.

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By contacting us (via phone or online form), you expressly consent and agree to Innovative Payment Solutions (and its affiliates, agents, assigns and service providers) contacting you by the following methods including, but not limited to: any telephone dialing system, text messages, emails using any email address you provide now or in the future, manual calling methods, prerecorded/artificial voice messages, and automatic dialing devices or systems, as applicable.
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