No Processing Fees
Free Equipment
Free Marketing

Our mission is to help you eliminate fees and get more customers.

Save & Grow Program

Save Money

Get More Customers

Watch how you can save money and get more customers with the "Save & Grow" cash discount program.

No More Processing Fees !

Pay one flat monthly subscription and eliminate 100% of your credit card processing fees.!

Free Equipment

Forget leasing. Get it for FREE!

Free Marketing

The 80/20 rule, also known as the Pareto principle, is a marketing strategy that says 80% of marketing impact often arises from 20% of the efforts.

With the Pareto Principal in mind, we polled over 100 business owners about their most effective marketing strategies for attracting new customers. While responses varied, the consensus highlighted that the quantity and quality of reviews on platforms like Google and Yelp played a crucial role in significantly improving business outcomes.

Free Equipment

Forget leasing. Get it for FREE!

Flat-Rate Monthly Pricing

Pricing is based on your monthly processing volume.

Mini Merchant

$25/mo

Per month

Core Merchant

$49/mo

Per month

Prime Merchant

$99/mo

Per month

Fee Transparency

"We will never markup fees.”
Transparency is our priority, so we wanted to make it easy for you to review our services without the surprise of additional fees. Beyond our standard cash discount fee (listed above) that applies to all customers, if you opt for terminals or POS systems with advanced features, the manufactures have their own fees that get passed to you.
Some terminals and POS systems have these fees, and some have no fees. It's entirely dependent on your needs. Below is a general list of fees you could potentially expect to pay.

Cash Discount Program

Our core program that allows you to offset 100% of your processing fees and pay one flat monthly price.

$25/$50/$99

Monthly depending on sales volume

Software Maintenance

Companies like Clover/Dejavoo that provide terminals and POS systems have software fees that vary per product. These fees are set by those companies.

$0-$163.90

Depends on terminal or POS system

Wireless Access Fees

If you plan on using a wireless or mobile terminal, these fees will apply.

$14.95-$25/mo

Depends on terminal

Per-Occurrence

A credit card company standard fees for penalties, PCI non-compliance, chargebacks, etc.

$0.0018-$25

Depends on occurence

Gateway

Mainly for ecommerce stores. We integrate with Authorize.net

$15/mo, $.10 transaction $.10 batch

Monthly depending on sales volume

Point Of Sale

Purchase, Payment Plan or Subscription options.

Pricing Varies

One time payment or monthly payment options

No Processing Fees Free Equipment
Free Marketing

Our mission is to help you eliminate fees and get more customers.

Are you ready to save money and get more customers?

About Us

VETERAN OWNED

Veterans Bancard was founded by two veterans, Joseph Watanabe and Steven Watanabe. With backgrounds in corporate media, sales, and marketing, these entrepreneurial brothers experienced firsthand the challenges posed by the fees and markups of the credit card industry.

Driven by a shared vision, they joined forces to create a superior solution, aiming not only to minimize credit card fees but also to provide a comprehensive suite of marketing tools and services at no extra cost to small businesses.

About Us

About Us

Veterans Bancard was founded by two veterans, Joseph Watanabe and Steven Watanabe. With backgrounds in corporate media, sales, and marketing, these entrepreneurial brothers experienced firsthand the challenges posed by the fees and markups of the credit card industry.

Driven by a shared vision, they joined forces to create a superior solution, aiming not only to minimize credit card fees but also to provide a comprehensive suite of marketing tools and services at no extra cost to small businesses.

Our Mission

Eliminate Fees Get More Customers

In founding our business, we prioritized two key elements from our entrepreneurial experiences: cost reduction and customer acquisition. As brokers, we selectively partner with companies, rigorously vetting programs and customer service to secure the best credit card options for our clients. Additionally, with our marketing expertise, we are dedicated to offering not just savings but also empowering businesses to thrive by providing supplementary marketing support for increased customer engagement and growth.

Frequently Asked Questions

Explore our frequently asked questions below.
Should you have any additional inquiries, feel free to contact our dedicated support team for assistance.

Can my business offer the Cash Discount Program?

Yes! Our Cash Discount Program is available in all 50 states.

The Cash Discount Program helps businesses build the cost to process cards into their pricing, allowing them to maintain the same profit margin on every sale regardless of payment type. When a customer pays with a card, our technology automatically isolates the processing fee included in the price and applies it to the merchant’s processing cost. Business owners can eliminate 100% of processing fees and never have to worry about an unpredictable monthly statement while operating within card network guidelines. The program is fully automated, allowing your POS system to handle the work, so you don’t have to.

We can get you up and running within 2-3 business days. After you make the switch to Veterans Bancard, we will request the following documents below to comply with Federal regulations.

- Signed application from the business owner or an authorized representative
- Proof of the associated business account (Ex. Voided check)
- Proof of your entity (Ex. Recent tax return)
- Previous processing statements are helpful

We may request additional information on a case-by-case basis

Yes, we provide unlimited credit card processing for a flat, monthly subscription dependent on the program selected and your monthly sales volume.

Our monthly cost has the following structure:

$15/month if you process less than $5,000/mo
$25/month if you process between $5,000 and $10,000/mo
$99/month if you process over $10,000/mo

If you opted for a point of sale system, you have the option of paying for it in full, opting for a payment plan or a subscription.

At Veterans Bancard, we pride ourselves on our transparency and honesty. We believe in earning our client’s business each and every day, which is why we do not have long-term contracts, annual fees, monthly minimums, or hidden fees. We provide merchants with top-rated support, free installations, and customer service standing by to speak with clients in 30 seconds or less.

Additionally, we offer free marketing services and tools that are designed to generate more clients for your business. An offering that is unheard of in this industry.

Most likely, yes. Veterans Bancard is compatible with 1,000s of POS systems, so there is a good chance yours can be quickly integrated. We also work with a variety of POS companies and can help you find the right system for your needs. If you need a new POS, our team will provide installation at no cost and will walk you through the system, so you feel confident with your new equipment.

Yes! We offer mobile options that allow you to accept payments on the go, including contactless payments from Apple Pay and Google Pay. We also offer solutions so your business can accept payments online. With Veterans Bancard, you can sync your in-store, mobile, and online sales together.

On average, merchants operating on the Cash Discount program see 90-100% savings on their processing costs.


The Veterans Bancard is a credit card processing brokerage that supports local businesses with zerofee processing and free marketing services.

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