The Smarter Way to Accept Payments—Without the Fees.
The Free Terminal empowers businesses across Chattanooga, Denver, and the entire U.S. to eliminate credit card processing fees—so you keep more of your hard-earned money.
$0
In processing fees paid by our clients—because your revenue should stay yours.
50 States
Businesses across all 50 states trust The Free Terminal for secure, fee-free payment processing.
Forward-thinking businesses trust The Free Terminal to simplify payments and eliminate processing fees—unlocking greater profit with every transaction.
Unlike traditional merchant services, The Free Terminal gives you the tools to pass card processing fees to your customers. That means you pay $0 in processing costs, while still accepting major credit cards, contactless payments, and mobile wallets.
Why Pay Processing Fees When You Don’t Have To?
Revenue Retention
Grow your bottom line by eliminating unnecessary fees and keeping more of what you earn with every sale.
On-the-Go Payments
Accept secure payments from your phone or terminal anywhere you do business—no bulky hardware required.
Zero-Fee Checkout
Pass card fees to your customers and keep 100% of your revenue—automatically, every time.
Real-Time Insights
Track sales, monitor savings, and manage your transactions with detailed analytics built into our platform.
Easy, safe, and hassle-free.
Local Support. Nationwide Reach. Zero Fees.
With offices in Chattanooga, TN and Denver, CO, The Free Terminal offers personalized, U.S.-based support you can actually count on. Whether you're a local shop or a national brand, we help you accept payments with zero processing fees - no matter where you do business.
Simple, secure, and convenient.
Every time a customer pays with a card, The Free Terminal ensures the processing fee is passed on—so you keep 100% of your sale. No more watching profits disappear to third-party processors; it's your money, and now it stays in your business.
Keep More of Every Sale
About The Free Terminal
The Free Terminal was started by a couple of regular guys who got in the business, had great success, but slowly started to see how most processors and agents prey on most businesses—especially businesses owned by women and minorities. Poor service, escalating rates, and junk fees can kill a small business. We had enough and started The Free Terminal so we could treat our customers with respect and fair business practices.
We both owned businesses, so we’ve been on the other side. I know how difficult it is to run a business, so our idea was that we could manage the payment systems for our customers so they could focus on doing what they do best—run their business. The Free Terminal offers a safe haven for business owners who don’t want to be treated unfairly.
We put our cell phone numbers on every ad, publication, and website. We’re here to serve you, and if you’re open, we’re open! We have the highest retention rate in the nation. When we get a new client, they never leave.
Advanced Technology. Uncompromising Security.
Whether you're taking payments online, in-store, or through a self-serve kiosk, The Free Terminal uses cutting-edge technology to keep every transaction fast, smooth, and secure. Our platform is backed by end-to-end encryption, EMV compliance, and tokenized payments to protect your customers and your business from fraud.
Smart Terminals
Accept chip, tap, and mobile payments with lightning speed and built-in fraud protection.
Online Checkout
Secure, seamless e-commerce payments with encrypted processing and real-time verification.
Testimonials
Businesses across the country rely on The Free Terminal every day.
Rated 4.7/5
Honest, Accountable, Fair
"So where to start. Thus company is actually honest, accountable, fair, and local. If you want a company that will actually answer the phone and take good care of you, this is the one. Ive been with them for over 10 years and can't speak highly enough of them."
Jonathan S.
Always responsive
"If you take credit card for business I recommend talking to them. If you want to take credit card and not sure how they will find a way that works best for you. Always responsive."
Miles G.
