Red Pine offers flexible pricing for our merchants

Red Pine's Zero Cost Credit Card Processing solution enables businesses to eliminate credit card processing fees by implementing a compliant service fee model. This approach allows merchants to pass on the cost of credit card acceptance to customers transparently, adhering to all federal, state, and card brand regulations. By leveraging real-time card type identification, the system ensures accurate fee application, providing a revenue-neutral solution that enhances affordability for cardholders and reduces transaction costs for merchants. Businesses benefit from a revenue-neutral solution, turning what was once a major cost center into an opportunity for growth and reinvestment—while continuing to offer the convenience of card payments to their customers.

Our ConsumerChoice program offers a dual-pricing strategy, presenting customers with both cash and card prices at the point of sale. This empowers consumers to select their preferred payment method, potentially benefiting from discounts when choosing lower-cost options like cash or ACH. For merchants, this model can lead to significant savings by reducing or eliminating processing fees altogether, all while maintaining transparency and compliance with payment regulations. This dual-pricing model has gained traction across retail, service, and hospitality industries, especially in a climate where every dollar counts. ConsumerChoice is compliant with all relevant payment regulations and is fully disclosed to the customer at the time of sale, preserving trust and enhancing the buying experience. For merchants, it’s a way to promote cost savings without compromising customer satisfaction, and for consumers, it offers real-time incentives to choose the payment method that works best for them.

RewardPay is our surcharging solution that allows merchants to offset credit card processing costs by adding a small, transparent fee to credit card transactions. Rather than embedding the cost of processing into product pricing, RewardPay adds a small, clearly disclosed surcharge to credit card transactions only—debit and prepaid cards remain exempt. This method not only keeps pricing competitive but also encourages cost-effective payment behaviors. With RewardPay, merchants have even greater flexibility, deciding whether to pass on the full surcharge or absorb a portion themselves based on customer sensitivity or industry standards. The system is backed by detailed signage, receipt disclosures, and automated reporting tools that help merchants maintain compliance effortlessly. For businesses seeking cost recovery without sacrificing customer experience or regulatory alignment, RewardPay offers a smart, scalable solution.