Not all terminals support zero-fee processing. Here is what to look for and which ones actually work for dual pricing programs.
Most business owners treat payment terminals like a commodity — any device that accepts cards will do. But if you want to run a dual pricing or cash discount program and eliminate your processing fees entirely, your terminal needs to be specifically configured to display two prices at checkout. Not every terminal supports this out of the box, and not every processor will set it up correctly even if the hardware is capable.
Here is what to look for and what the top options look like in 2026.
A terminal needs to meet a few requirements to properly support a zero-fee program:
The Dejavoo QD line is one of the most popular choices for dual pricing setups. It is a compact countertop terminal with a clean touchscreen interface, fast processing, and full dual pricing support. The QD4 handles standard card-present transactions while the QD5 adds a built-in printer. Both are widely available through compliant processors and are among the most commonly provided terminals in free equipment programs.
The PAX A920 Pro is an Android-based smart terminal that does everything — accepts chip, tap, swipe, and mobile payments, prints receipts, and runs on WiFi or cellular. It is a good fit for businesses that want a modern, all-in-one device that does not look like a relic from 2010. The touchscreen is large and customer-facing options make it easy to show dual pricing clearly at checkout.
The Clover Flex is a popular handheld option for restaurants, food trucks, retail, and any business where staff move around the floor. It prints receipts, accepts all payment types, and runs on a rechargeable battery. One important note: Clover devices are typically tied to specific processors, so you will want to confirm that your processor supports dual pricing on the Clover platform before committing.
Verifone has been a staple in the payment industry for decades. The T650p is their current countertop flagship — reliable, fast, and widely supported. It handles high transaction volumes well, which makes it a solid choice for grocery stores, pharmacies, and busy retail environments. Dual pricing configuration is supported through compatible processors.
Free terminal programs: Qualifying accounts through Real Merchant Services receive terminal equipment at no cost as part of setup. This typically includes the Dejavoo QD or PAX A920 Pro depending on your business type and volume. There are no monthly rental fees and no contracts.
A few terminal situations create problems for zero-fee programs:
For most small businesses, a free terminal through a zero-fee processing program is the obvious choice. You get current hardware, professional setup, and ongoing support — with no upfront cost and no monthly rental. The terminal is provided as part of the program because the economics work out: you save on fees, the processor handles volume, everyone benefits.
Buying your own terminal outright makes sense if you already have a specific setup you prefer, or if you are running a high-volume business with custom integration needs.
Qualifying accounts receive free terminal equipment with same-day setup. No contracts, no monthly fees, no processing costs.
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