Think you pay too much to accept credit cards?

We agree.

Our Customers Save

$476

a month on average.^1,2,3

Baristas showing eachother information on mobile device

Interchange + 9¢

You pay card interchange rates + 9¢ for processing—that’s it⁴

You save money. Learn how.

Simple, straightforward pricing

While other processors markup the cost and profit from processing card payments, we do not. This is what you’re paying for:

ZiFi customers have an average effective rate between 1.51% and 2.09%⁴
More savings with simplified, transparent pricing and no hidden fees
One of the most competitive pricing models in the U.S.
FDIC insured checking account up to $250,000⁵

Plumber in blue overalls showing clipboard to customer

Simple, straightforward pricing

While other processors markup the cost and profit from processing card payments, we do not. This is what you’re paying for:

ZiFi customers have an average effective rate between 1.51% and 2.09%⁴
More savings with simplified, transparent pricing and no hidden fees
One of the most competitive pricing models in the U.S.
FDIC insured checking account up to $250,000⁵

No more getting nickeled-and-dimed by your credit card processor

No setup fees

No flat-rate fees

No hidden fees

Cashier ringing up customer in clothing store

Flexibility for your business to accept payments in-person or online with chip, swipe, tap, or virtual terminal.

INTERCHANGE + PRICING MODEL

With ZiFi, we pass on interchange and assessment fees from the card brands like Visa, Master Card, and Amex, and only charge you 9¢ per authorization for processing.

COMPETITIVE PRICING

One of the most competitive and transparent pricing models in the U.S. because we’re not trying to make any money on your payment processing.

Want personalized support? We've got your back.

With ZiFi you work with a dedicated relationship manager to assist you personally, whatever your business needs

MATTHEW

RONNOW

RELATIONSHIP
MANAGER

MADDY

CHUKS-PUENTES

RELATIONSHIP
MANAGER

LEXI

OLSEN

RELATIONSHIP
MANAGER

Card processing built for small businesses like yours

Interchange Plus pricing model

Flexibility to get paid on the go

Processing solutions offering both physical and virtual terminal

Next-day funding available for eligible merchants - Rocket Ship Icon

Next-day funding available for eligible merchants⁶

Get the equipment you need

With a variety of Clover terminals available, you can find the right solution for your business needs, plus get access to Clover Marketplace’s business tools like customer rewards and marketing support.

Includes a Checking Account - Person grooming a dog

Includes a Checking Account at no additional charge

With ZiFi Business Checking, earn interest on account balances while enjoying preferred interest rates on eligible Business Savings accounts.

Do business at your own speed. Our easy, completely online application lets you apply whenever it’s convenient.

Katie Waltman, owner of Katie Waltman Jewelry and ZiFi customer

“I looked at our December statement today, and it looks like we saved $757 vs. using Square®. That’s pretty awesome!”

Katie W., owner Katie Waltman Jewelry

and ZiFi customer

Frequently Asked Questions

Why should you choose ZiFi?

ZiFi is built upon a foundation of transparency, low rates, digital tools, and premium service. We’re not just another online payment company, we’re an actual bank. And, while other payment processors are known for their fees, surprise contracts, and poor customer service, we are different.

We provide one-on-one guidance through the setup process, then we’ll get out of your way to let you do what you do best. But anytime you have questions, we’re there for you. Our in-house relationship managers are real bankers who are dedicated to personally understanding your business. And the best part? They are just a phone call, a text message, or an email away. When is the last time you could reach your banker directly rather than calling a 1-800 number?

Are there any setup or monthly fees?

Why is ZiFi right for you?

How long do funds take to be deposited?

With ZiFi, you will enjoy next day funding. Next day funding requires a ZiFi Business Checking account. Various funding options are available which include next day funding for transactions batched by 11 pm ET and Rapid Deposit same day funding. Transactions that occur on a weekend or bank holiday will be processed on the following business day. Processing rates are applied to your daily transactions before the remaining balances are combined and deposited to your bank account.

How fast can I get my payment hardware?

How much are the processing rates?

We keep processing rates as low as possible so you can keep more of your income in your pocket. ZiFi uses the Interchange Plus pricing model and stands apart from others by not adding extra markups. You will only pay the actual interchange fees from the various card brands along with a $.09 authorization fee per transaction. We believe in total transparency, optimizing your savings, and no surprises!

Are you asking yourself how we do all this? Your personal relationship manager will walk you through all the details and show you how much you could begin saving right away.

Do I need to change banks?

Looking for banking that fits your business?

Talk to a banker and find out how a personalized banking solution can help your business. Our team is standing by to help you get started today.

A division of Zions Bancorporation, N.A. Member FDIC

An award-winning bank for Small Business

Equal Housing Lender

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

800-341-7303

Routing Number

124002829

NMLS Registry

#467014

(1) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by ZiFi, a division of Zions Bancorporation, N.A. Member FDIC.

© 2026 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover Network, LLC., and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

(2) Terms and conditions apply.

(3) The values calculated are estimates only and do not constitute guaranteed rates.

(4) Deposits that a person or entity maintains in the same ownership category at any division of Zions Bancorporation, N.A., including ZiFi, are added together and insured up to at least $250,000.

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(1) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by ZiFi, a division of Zions Bancorporation, N.A. Member FDIC.

(2) Terms and conditions apply.

(3) The values calculated are estimates only and do not constitute guaranteed rates.

(4) Deposits that a person or entity maintains in the same ownership category at any division of Zions Bancorporation, N.A., including ZiFi, are added together and insured up to at least $250,000.