PAY ZERO CREDIT CARD FEES
EXECUTIVE SUMMARY | CONFIDENTIAL

0% Credit Card Processing Fees
For Small Businesses

Business Concept: Pay Zero aims to help small businesses pay zero credit card processing fees (typically 2-3% of transactions) without requiring them to change merchant accounts or pass costs onto customers through surcharges.

How It Works

  • Investor Partnership: Accredited investors provide capital seeking fixed income yields
  • Fee Coverage: Pay Zero uses 3% of investor funds to cover businesses' credit card processing fees
  • Yield Generation: The remaining 97% is deployed through proprietary trading strategies targeting reasonable annual returns (net of all fees and expenses)
  • Win-Win Model: Businesses save on fees, investors earn returns

Market Opportunity

  • $9 trillion in annual card volume
  • $148 billion in processing fees
  • 34 million merchants in the US
  • 19 million accredited investors

SPV Structure Details

Competitive Advantages

  • Proprietary Acquisition: Email-based customer acquisition (90% cheaper than Facebook/Google ads)
  • Yield Strategy: Proprietary approach using treasuries and derivatives
  • Proven Performance: Backtested trading performance covering 2005-2025
  • Operational Efficiency: Lean, AI-augmented operational model

Investment Highlights

  • Addressing a $148 billion market opportunity
  • Serving 34 million potential merchant customers
  • Dual-sided business model creates strong network effects
  • Proven trading strategies with 20 years of backtested performance
Andy Greene
[email protected]
CONFIDENTIAL | Pay Zero | 2025
DISCLAIMERS: This document is for informational purposes only and is intended solely for accredited individuals and entities as defined by SEC regulations. The investment opportunity described herein is a securities offering under Regulation D Rule 506(c). Pay Zero is not a broker-dealer or registered investment advisor. This is not an offer to sell or solicitation of an offer to buy any securities. Investing involves substantial risk including the possible loss of principal. Past performance is not indicative of future results. Potential investors should conduct their own due diligence and consult with their financial, legal, and tax advisors before making any investment decisions. Regulatory requirements and tax considerations may vary by jurisdiction. This document contains forward-looking statements that involve risks and uncertainties. Actual results may differ materially.