BCMS West™ empowers businesses with the ability to accept credit and debit card payments through a website store, over the phone, in-person, or on a mobile device. This is accomplished using the patent-pending technology of CardX Corporation.

  • Eliminate bank imposed discount rates
  • No more transaction fees
  • Using CardX reverses transaction fees from the merchant passing them on to the cardholder.

Here’s How It Works



Pay absolutely zero in credit card processing fees.

Sign up today and you can start to recuperate the thousands of dollars you lose in credit card processing fees.


To Sign Up

  • No application fee
  • No enrollment up fee
  • No monthly recurring fee
  • No annual fee
  • No mid-qual/non-qual fees
  • No PCI compliance fees
  • No AVS fees
  • No hidden fees
  • 0% discount rate + no transaction fees with Zero Cost Credit©
  • Perfect alternative to Paypal, Square®, Intuit, PaySimple, and other 3rd party credit card processing services
  • No fixed term service contract required

Is the 3.5% surcharge a concern to the shopper?

The answer is, no. The small surcharge passed on to the shopper is not an issue of concern. The fee equates to approximately $.03 cents on a $1.00 purchase. Certainly, not an issue customers will lose sleepover.

In the video shown above, you are looking at a website shopping cart ‘payment form’. The credit card processing fee is fully disclosed to the shopper in compliance with federal law. The fee is also published on the customer receipt.

At the time of purchase, the shopper is informed of the fee amount and always has the freedom to choose a no-fee option by processing the sale as a debit card. The freedom to pay by credit card or debit creates a hassle-free, no loss scenario for the merchant and the shopper.


Credit Card Surcharges vs. Convenience Fees

Some businesses charge convenience fees to shoppers who prefer to use a credit card. That’s illegal. For example, a merchant might charge a convenience fee when you pay over the phone instead of online.

On the other hand,  a ‘surcharge’, when applied in compliance with Visa and MasterCard regulations is an entirely different process and it’s legal.

Our surcharge is a flat rate of 3.5% which is passed on to the credit card holder for the explicit purpose of covering the cost of a credit card transaction. There are no extra fees or over-inflated costs.

In The News

A Supreme Court Decision Favors Merchants in Latest Round in Battle Over Surcharging
March 29, 2017

To read the full article, visit the website link featured here.


Don’t Pay Credit Card Processing Fees Anymore


January 2018 | Entrepreneur Magazine.

No Hidden Fees

Whether your company processes as little as $3,000 in monthly Visa and MasterCard transactions or well over $30,000,000 million, our Zero Cost Credit© program means that your company will never pay discount rates and transaction fees again.

How Does It Work?

There’s nothing a business owner needs to do differently. When the consumer is ready to pay, simply run the credit card through the credit card terminal, a wireless mobile device or your website shopping cart and the surcharge fee is automatically added to the transaction.

Service is available in 47 US states with more coming soon!

States We Currently Serve | October 2018.