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Q: How does 0% credit card processing work in Salt Lake City?

0% credit card processing works using a dual pricing or cash discount model. Customers paying with a credit card cover the processing fee, while cash customers receive a discount, allowing businesses to eliminate processing costs.

Q: How much do credit card processing fees cost businesses in Salt Lake City?

Most businesses pay between 2% and 4% per transaction. This can add up to thousands of dollars per year depending on monthly processing volume.

Q: Can I get free credit card machines in Salt Lake City?

Yes, many providers offer free credit card machines and POS systems, including mobile and countertop terminals, as part of their processing services.

Q: How fast do I get paid with credit card processing?

Most modern processors offer next-day funding, allowing businesses to receive deposits quickly and maintain healthy cash flow.

Q: What types of businesses use credit card processing in Salt Lake City?

Retail stores, restaurants, salons, medical offices, and service-based businesses all use credit card processing to accept payments and improve customer experience.

Image of Square Authorized Reseller Utah EZ Pay with complimentary business video promotion

Start with Square through Utah EZ Pay and receive complimentary YouTube videos to help promote your business.

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Square Standard Pricing

2.6% + 15¢ in-person
3.3% + 30¢ online

Simple, pay-as-you-go pricing

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Square Cash Discount Pricing

4% flat rate

Flat-rate cash discount program

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Same Square Technology. Personal Utah Support. Complimentary Business Videos.

Square Payments. Local Support. Business Growth.

More Than Payments.
More Visibility.

Square from Utah EZ Pay gives you more than payment technology.

We help you get set up, provide local support, and showcase your business on YouTube, the world’s second-largest search engine.

✓ Local Square setup
✓ Personal training & support
✓ On-location Business Spotlight videos
✓ YouTube content featuring your business

Available to qualifying new Square customers.

Image of Square Tap to Pay on Smartphone Salt Lake City Utah EZ Pay

Image of Square Tap to Pay from Utah EZ Pay Salt Lake City

Your Phone.
Your Payment Terminal.
Personal Utah Support.

Accept Credit Cards in 5 Minutes.

Turn your iPhone or Android smartphone into a contactless payment terminal with Square Tap to Pay.

✓ $0 monthly fees on Square Free
✓ No additional card reader needed
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✓ Personal Utah support

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Ready for More? Explore Square Hardware.

Square Terminal

Take Payments. Run Your Business. Anywhere.

A compact all-in-one payment terminal that gives you the flexibility to serve customers at the counter or on the move.

✓ Accept payments anywhere
✓ Built-in receipt printer
✓ Portable and easy to use

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Square Handheld

Your POS. Right in the Palm of Your Hand.

Take orders, accept payments, and manage your business from anywhere.

✓ Take orders on the go
✓ Accept payments anywhere
✓ Built-in barcode scanner
✓ Manage inventory

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Square Register

A Complete POS System for Your Countertop.

Everything you need to run sales, take payments, and manage your business.

✓ Built-in payments
✓ Powerful Square software
✓ Dedicated customer-facing display
✓ Manage inventory

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Run Your Business with the Square Ecosystem.

Dashboard.

Sales, customers, employees, and reporting.

Instant Funding.

Get paid. Access your money faster.

Loyalty.

Turn customers into regulars.

Payroll.

Run full-service payroll easily.

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Send invoices and payment links.

Appointments.

Online booking, payments and scheduling.

Get Your Utah Business Discovered.

Monthly Cash Rewards. Available with Select POS Systems.

Get More From Every Sale.

Through our parent company, iSmart Payments in Murray, Utah, qualifying businesses can earn Monthly Cash Rewards with select POS systems.

Get Paid.
Get Paid Again.

✓ Monthly Cash Rewards automatically deposited to your bank account
✓ 0% Dual Pricing options designed to help reduce processing costs
✓ Modern POS technology, including PayAnywhere, Dejavoo, Kwick, and Sunmi
✓ Local Utah setup and support from people you can actually call or text

Call or Text: 801-205-1955

Explore Monthly Cash Rewards

    
 
 
       Posted on Google  
   
   nedjad jusic 
 
 
 
 Trustindex verifies that the original source of the review is Google. They installed my square POS system and very happy. My new business is Bargain Depot.
  
 
      Posted on Google  
   
   Bear Back 
 
 
 
 Trustindex verifies that the original source of the review is Google. Greg has been an incredible help and a valuable resource. He is always willing to assist with any questions I have, whether it involves troubleshooting the device, resolving an issue, or simply helping me when I’ve missed a step or accidentally pushed the wrong button.

He is quick to respond and always gets back to me in a timely manner. I truly trust him with my questions because he takes the time to listen, understand what I’m trying to explain, and find an effective solution that works for me.

His patience, knowledge, and willingness to help make a huge difference. It’s reassuring to know I can count on someone who genuinely cares about providing excellent support. Greg goes above and beyond, and I sincerely appreciate all of his help!
  
 
      Posted on Google  
   
   Kari 
 
 
 
 Trustindex verifies that the original source of the review is Google. Greg is amazing!  He cares about his customers,  and it shows.  Thank you for always being so helpful.
  
 
      Posted on Google  
   
   Jacob York 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service and great product!
  
 
      Posted on Google  
   
   Milton Updegraff 
 
 
 
 Trustindex verifies that the original source of the review is Google. Greg and his company were very helpful in saving my company thousands of dollars a month. However, the immediate and local service that you receive from Greg is priceless. No more waiting on hold to speak to "customer support" that doesn't understand you or your needs. Greg is very helpful and there when you need him.

Why Pay Processing Fees if You Don’t Have to?

Merchant Services PayAnywhere Mobile Terminal

Every month you pay credit card processing fees is money that never goes back into your business.

Our PayAnywhere payment solution with 0% Dual Pricing helps businesses eliminate processing fees while continuing to accept the payment methods customers already use every day.

✔️ Keep more of what you earn.

✔️ No long-term contracts.

✔️ Next-day funding.

Tell Me More

Get PayAnywhere

Get Started with Utah EZ Pay Serving Salt Lake City Businesses

Questions? Call or Text Greg Kapitan at: 801-205-1955.

Choose the Right Payment Solution for Your Business

Kwick Point of Sale Systems

Restaurant Point of Sale Systems

Best For

✔️ Restaurants

✔️ Bars

✔️ Pizzerias

✔️ Quick Service

✔️ 0% Dual Pricing

Explore Kwick POS

Clover Point of Sale Systems

Complete Point of Sale Systems

Best For

✔️ Cafés

✔️ Coffee Shops

✔️ Restaurants

✔️ Food Trucks

✔️ Retail Businesses

Explore Clover

Dejavoo Payment Terminals

Countertop & Wireless Payment Solutions

Dejavoo 0% dual pricing credit card terminal for Salt Lake City Utah businesses

Best For

✔️ Retail

✔️ Mobile Businesses

✔️ Contractors

✔️ Medical Offices

✔️ 0% Dual Pricing

Explore Dejavoo

Watch How 3% Dual Pricing Works

Learn how compliant dual pricing works and why businesses across Utah are eliminating traditional credit card processing fees.

Local Utah Support You Can Count On

Greg Kapitan of Utah EZ Pay — On-site deployment for Davenport Foundation Repair in West Jordan — configuring and training their team on 25 PayAnywhere mobile payment terminals.

Hi, I’m Greg Kapitan, your local Payment Technology Consultant with Utah EZ Pay.

I’ve helped hundreds of businesses throughout Salt Lake City and across Utah choose payment technology that fits the way they do business.

From countertop terminals and mobile payments to complete POS systems and 0% Dual Pricing, I’ll help you find the right solution for your Utah business.

Every system is PCI DSS compliant for secure, encrypted transactions.

✔️ On-site installation and personalized staff training.

✔️ Local support before, during, and after your installation.

✔️ Business-first solutions tailored to your goals—not one-size-fits-all packages.

✔️ Proudly serving businesses throughout Salt Lake City, West Valley City, Sandy, Draper, South Jordan, Murray, and surrounding communities.

Greg Kapitan
Founder • Utah EZ Pay
Payment Technology Consultant Since 2009

Call or Text: 801-205-1955

Bill Gephardt and Greg Kapitan of iSmart Payments (Utah EZ Pay)

iSmart Payment Solutions is one of Utah’s premier credit card processing and Point of Sale (POS) providers. In this edition of the Bill Gephardt Podcast, iSmart owner, Greg Kapitan, talks with Bill about how iSmart can reduce a business’s credit card processing fees by as much as 90 percent!

Credit Card Processing in Salt Lake City, Utah FAQs

What is the best credit card processing company in Salt Lake City, Utah?

The best credit card processing company in Salt Lake City is one that offers transparent pricing, no hidden fees, and local support. Utah EZ Pay provides 0% credit card processing, free POS equipment, and hands-on support for local businesses, helping owners keep more of their revenue.

How does 0% credit card processing work in Salt Lake City?

0% credit card processing works by using a dual pricing or cash discount program. Customers who pay with a credit card cover the processing fee, while customers paying with cash receive a lower price. This allows Salt Lake City businesses to eliminate traditional processing fees and keep 100% of their sales.

Is credit card surcharging legal in Utah?

Yes, credit card surcharging and cash discount programs are legal in Utah when properly disclosed and implemented. Businesses must clearly communicate pricing to customers and follow card brand rules, making compliant programs like dual pricing a popular option in Salt Lake City.

How much do credit card processing fees cost businesses in Salt Lake City?

Most businesses in Salt Lake City pay between 2%–4% per transaction in processing fees. For businesses processing $30,000–$50,000 per month, this can add up to thousands of dollars annually in lost revenue.

Can I get free credit card machines in Salt Lake City?

Yes, many providers like Utah EZ Pay offer free credit card machines and POS systems as part of their service. These include mobile terminals, countertop systems, and full POS setups designed to help businesses accept payments quickly and efficiently.

How fast do I get paid with credit card processing?

With modern payment processors, most Salt Lake City businesses receive next-day funding. Utah EZ Pay offers next morning deposits so business owners can maintain steady cash flow and operations.

What types of businesses use credit card processing in Salt Lake City?

Credit card processing is used by a wide range of businesses in Salt Lake City, including retail stores, restaurants, salons, medical offices, and service providers. Any business that accepts payments can benefit from faster transactions and improved customer experience.

Utah Payment Processing | POS Systems | Square | Salt Lake City

Square Payments. Personal Support. More Exposure.