The $5,000 Compliance Guarantee.
We don't just sell you a terminal - we make sure your payments are set up right. Your system is designed to align with Visa rules and Louisiana surcharge law, including SB 254. Complete our compliance checklist and ZeroPoint stands behind your setup with our $5,000 Compliance Guarantee.
This certifies that
has completed the ZeroPoint Compliance Checklist and is enrolled in the Compliance Guarantee Program - backed by a
Compliance Guarantee, on a payment program designed to align with Visa rules and Louisiana surcharge law, including SB 254.
Compliance
Guarantee
Sample certificate. Issued to merchants on completion of the compliance checklist.
Three steps to a setup built to our compliance checklist - and backed by $5,000.
Board with ZeroPoint
Set up your Clover system on our compliant cash-discount program - installed and configured locally.
Complete the checklist
Work through the compliance checklist with your specialist - signage, receipts, POS config, and a live debit test.
Get your guarantee
Receive your $5,000 Compliance Guarantee certificate - we stand behind a setup designed to align with Visa rules and Louisiana surcharge law, including SB 254.
The compliance checklist.
The guarantee applies when your business completes the checklist below with your ZeroPoint specialist - and maintains it in all material respects.
Processor account & backend setup
This is the part a merchant can't set up alone. ZeroPoint boards and configures your processor (acquiring) account to your exact pricing and compliance specs - the cash-discount fee rules, debit-card handling, and required disclosures are wired in at the backend, not just on your terminal. It's the foundation that makes everything in the checklist below actually hold up.
Pricing & signage
- Post a single price for every item/service (the card price); apply the cash discount at the register.
- Display clear, conspicuous signage at each entrance and point of sale stating a cash discount is offered and a service fee applies to card payments.
- Never advertise or label the card price as a “debit surcharge.”
Receipts & disclosure
- Print the cash-discount / service-fee line clearly on every customer receipt.
- Ensure the amounts on receipts match your posted signage.
POS configuration - the SB 254 trap
- Configure your POS so debit cards are never surcharged - a debit card is debit whether run as PIN or signature (LA SB 254, eff. Aug 1, 2026).
- Apply the cash-discount program uniformly so no extra fee is imposed specifically for paying by debit.
- Run a live debit test transaction to verify no prohibited debit surcharge is applied.
Network rules (Visa)
- Operate a genuine cash-discount program (discount off a single posted price) - not a non-compliant surcharge.
- Keep any card service fee within applicable Visa network limits and disclosure rules.
- Maintain Visa-compliant signage and receipt disclosures.
Documentation
- Keep your signage, sample receipts, and POS configuration on file.
- Complete this checklist with your ZeroPoint specialist and keep a signed copy.
How the guarantee works
When you board with ZeroPoint and complete this compliance checklist with our team, we stand behind your setup with our $5,000 Compliance Guarantee. If you're fined for a covered violation even though you maintained the checklist, ZeroPoint refunds its program fees to you - up to $5,000 in the aggregate. The guarantee applies while your business maintains the checklist requirements in all material respects, subject to the Compliance Guarantee Program Terms and Conditions provided at enrollment.
The ZeroPoint Compliance Guarantee is a limited service warranty providing a refund of ZeroPoint program fees up to $5,000 in the aggregate, subject to eligibility conditions, exclusions, and a claims process. It is not insurance and is not legal advice. ZeroPoint is not affiliated with the State of Louisiana. Final compliance is the merchant's responsibility; consult your attorney. Learn more about the law at SB254.net.