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Zero Cost Payment Processing

Is Here

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ONE Swipe At A Time™ empowers businesses of all sizes with the ability to accept credit and debit card payments through a website store, over the phone, in-person (retail storefront), or on a mobile device. The sellers no credit card processing fees whatsoever.


This patent-pending technology fully supported by Supreme Court law is a one-of-a-kind game changer. We've completely disrupted the traditional payment processing industry.

  • Eliminate bank imposed rates and fees associated when accepting credit cards.

  • Make a sale for $134.95, see exactly $134.95 deposited in your bank account.

  • Accept bank-issued debit cards at the rate of 1.0% + $0.25 cents per transaction.

  • Need an EMV-chip reader credit card swipe terminal? No problem. Lease one or more for only $35.00 per month with no longer binding contract.


In January of 2013, a Supreme Court ruling opened the door allowing small and medium-sized businesses in every industry and sizes to do what leading universities, cell phone carriers, public utility companies, grocery store chains, and government had long been permitted to do for many years;

Pass on the bank-imposed transaction fees and processing cost to the cardholder when they pay with a credit card. When the customer pays with a bank-issued debit card the seller pays 1.0% + $0.25 cents per transaction



Zero Cost Credit is available in 47 states plus the District of Columbia.


  • Commercial service is not fully available in Colorado, Connecticut, and Massachusetts.

  • Zero Cost Credit is available in Maine and New York. *Additional terms apply.



When a customer chooses to pay with a credit card the processing cost and transaction fees typically paid by the seller are passed on to the cardholder instead. The merchant/seller pays absolutely --- nothing.

Thanks to One Swipe At A Time™ business owners in 47 states (and growing) can recover thousands of dollars lost each year due to unfair and wasteful bank-imposed credit card processing fees.



To Sign Up

  • No application fee

  • No monthly recurring fees

  • No annual fee

  • No hidden fees

  • No long term service agreement

  • Enjoy month-to-month service


Need a credit card swipe terminal for your retail store? It's only $35.00 a month.


Download the application.

Sign and return it to:

Anthony McCombs, CEO


Download the application.

Sign and return it to:

Kevin James, Co-Founder

Become an authorized nationwide Independent Sales Agent & (ISO) representing ONE Swipe At A Time and our partner company Banc Certified Merchant Services.


As a registered independent sales agent, you will be able to offer businesses the most competitive credit card processing solutions in the history of the industry.


We also offer a plethora of ancillary products, 24/7 live customer support, and unmatched industry training, and agency building resources. Our independent sales agents representing earn generous upfront-bonuses, additional sales production bonuses of $150 to $300 per sale, plus 200% up to 500% more in monthly residual income compared to any traditional merchant services compensation plan on the market.


Got questions? Feel free to contact a company representative today.


  • Anthony McCombs, CEO at (614) 975-8601

  • Board Member & Co-founder Kevin James at (303) 257-4484

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