ZeroPoint - Point Of Sale
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ZeroPoint. - Point Of Sale is the North Shore based Clover and Point of Sale dealer. Local Team, Service, & Support Join us!
In the past your business has been paying hundreds to thousands of dollars a month on credit card processing fees. ZeroPoint eliminates these fees by giving your customers an option! If they pay with cash our ZeroPoint equipment automatically offers a cash discount! Think about what completely eliminating credit card processing fees can do for your business! We are actively expanding and looking for qualified partners to further our reach!
06/26/2026
We Love Sponsoring these events! Battle of the Badges promotes amateur boxing events of policemen, firemen, military, EMS and first responders from Louisiana.
HUGE shout out to ZERO POINT electronic payments.
Their contribution helps keep our doors for our events moving smoothly and quickly to get everyone inside to experience the action and vibe that is Battle of the Badges.
JOIN US this Saturday June 27!
Tickets available at www.BFCFIGHTS.com
ACT751.com we are the Louisiana Cash Discount Experts!
Louisiana business owners — if you offer a “cash discount,” read this before August 1st.
A real cash discount means your posted price includes card costs and you take money OFF for paying cash. That’s compliant. But most businesses keep the old price and add a fee ON at checkout when someone pays by card — that’s not a discount, that’s a surcharge in disguise. And calling it a “cash discount” doesn’t change what it is.
Here’s why it matters: SB 254 makes surcharging a debit card illegal in Louisiana starting August 1st. If your program is really a surcharge wearing a costume — and it’s hitting debit cards — you’re not rewarding anyone, you’re breaking state law.
Don’t copy a sign off the internet and slap it on your door. Make sure yours is built the right way: sb254.net
06/17/2026
💰 The $5,000 SB254 Compliance Guarantee — only from ZeroPoint.
We're so confident your payment setup will be 100% compliant with Louisiana's new debit-surcharge law that we back it in writing with a $5,000 guarantee. No other processor in the state is putting that on the table.
Here's why it matters: starting August 1, surcharging debit cards becomes illegal in Louisiana under SB 254. Violations can carry civil penalties of up to $500 each, investigated by the Attorney General's office and a lot of "cash discount" and surcharge programs running right now are NOT built to survive it. When a customer complains, it's your business name on that report, not your processor's.
We've spent 20 years in payments. We built our program to keep you compliant from day one - debit handled the right way, credit handled the right way, fully disclosed and we stand behind it with the only $5,000 Compliance Guarantee in Louisiana.
✅ $5,000 guarantee, in writing
✅ Debit surcharges removed correctly before the deadline
✅ Keep offsetting your processing costs — legally
August 1 is closer than it looks. Get the guarantee that protects your business.
👉 zeropointus.com
06/12/2026
Our Founder Derrick Hess Quoted State Affairs about the Senate Bill 254
https://pro.stateaffairs.com/la/news/debit-card-surcharge-law?ref=AAAAAAAD2woAANZlAA
Here is the text:
A newly enacted law in Louisiana increases enforcement and makes it easier for customers to sue businesses for illegally charging more for paying with a debit card.
Gov. Jeff Landry signed
Senate Bill 254
after it was passed unanimously by the Senate and overwhelmingly in the House. The law goes into effect on Aug. 1.
“What most people don't realize is that surcharging a debit card was never actually allowed, but many Louisiana merchants brushed off the rules for years with little to no enforcement,” said Derrick Hess, a certified payments professional and founder of the Louisiana-based merchant services provider ZeroPoint.
Merchants are restricted under the Durbin Amendment of the federal Dodd-Frank Act from adding surcharges to purchases made with debit cards, regardless of how the payment is processed — as “debit” or “credit.”
Hess advocated for the passage of
SB 254
, which empowers the state attorney general to take action against offenders by increasing penalties to up to $500 per violation and establishing a toll-free reporting hotline and online reporting portal. The new law makes it easier for customers to sue for damages without a class action suit and to submit complaints to the attorney general with a receipt indicating the surcharge as proof.
“This closes that gap and shows merchants that Louisiana is serious about consumer protection,” Hess told State Affairs.
The new law gives businesses a 30-day window to remedy the violation and reimburse the customer of the surcharge, as long as the business catches it and fixes it before a complaint is filed; if the business does so, the civil action will not move forward.
Sen. Beth Mizell, R-Franklinton, who chairs the Senate Committee on Commerce, Consumer Protection and International Affairs, told State Affairs the bill became a personal mission as more constituents expressed to her it was a problem.
“In my area I’d noticed more and more businesses adding a 3% charge on ‘all card purchases’ — everything from pizza to po boys to haircuts,” Mizell said. “A family member asked me how that was allowed on debit card purchases since there is not a percentage charged to the merchant. Apparently the debit card fee was only possible because people who felt wronged by it or questioned the legality of it didn’t know who to complain to.”
Mizell said even though charging more for using a debit card has been against federal law for more than 15 years, “the feeling among some is that the prohibition punishes the small merchant. That seems to be why people have willingly paid a fee that was unjustified.”
Surcharges on bills paid with a debit card that are labeled as a “service fee” or a “non-cash adjustment” are illegal. What is legal is surcharging credit cards or offering a discount for customers who choose to pay in cash.
Emma Kinery is a State Affairs national reporter covering state politics and policy out of our Washington, D.C. office. Contact Emma Kinery at [email protected] or on X .
Louisiana law empowers customers to sue over debit surcharges Louisiana enacts law to increase enforcement and make it easier for customers to sue businesses for illegally charging more for paying with a debit card.
That “card fee” on your debit receipt? Starting August 2026, it could cost a Louisiana business up to $500. Per violation.
SB 254 bans surcharges on debit card transactions. The problem most owners don’t see coming: a lot of POS systems can’t tell debit from credit, so they apply the fee to everything automatically. You could be out of compliance right now and not know it.
I’ve spent 20 years in payments, and this is one of the cleaner fixes out there once you know what to look for.
If you run a cafe, shop, or any local business and want to make sure you’re clean before this takes effect, reach out. We’re glad to help. Fair warning, the calendar has been filling up fast.
Drop a comment or send a DM and we’ll get you on the books.
06/08/2026
Louisiana business owners - a new law could cost you $500 per violation.
SB 254, now on the Governor's desk, bans surcharging debit cards across Louisiana and is set to take effect August 1. The Attorney General gets a complaint hotline, and customers can sue businesses that don't comply. (Credit card surcharging stays legal.)
The catch: a lot of POS systems automatically add a fee to every card - debit included. If that's yours, you could be out of compliance and not even know it.
ZeroPoint helps Louisiana merchants get it right. We'll stress test your setup for free and make sure you're protected before the deadline.
SB254 - Louisiana Debit Surcharge Law The debit surcharge ban takes effect August 1, 2026. Find out in 4 questions whether your business is at risk.
Quick one for Louisiana business owners, because I get this question constantly:
SB254.net
“Can I charge a fee when customers pay with a card?”
Short version:
✅ Credit cards, YES. Up to 4% (Visa caps you at 3%). You have to disclose it up front, post signage, and put it as a separate line on the receipt.
❌ Debit cards, NO. That’s illegal under federal law, and Louisiana lawmakers just passed a Senate bill to crack down hard with fines up to $500 per violation.
Here’s the part nobody tells you: if you surcharge wrong, YOU eat the fine, not your processor. The liability is on the merchant, every time.
I’ve spent 20 years in this industry making sure business owners do this the right way and actually keep more of their money instead of handing it to the card brands.
If you run a restaurant or retail shop and you’re not sure your setup is compliant, message me. I’ll take a look at your processing statement for free and tell you straight.
Three quick questions for any business owner taking cards 👇
Do you charge a fee on credit cards?
What about debit cards?
And the one that actually matters -does your equipment know the difference?
Here’s why that last one counts: surcharging a debit card isn’t allowed. Ever. If your terminal can’t tell debit from credit, it’s charging that fee for you — and that’s exactly what Visa’s secret shoppers are trained to catch. One slip = a $5,000+ fine.
Most owners have no idea their setup is doing this until the notice shows up.
Comment “LIST” 👇 and I’ll check whether your setup puts you at risk.
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Mandeville, LA
70448