• Lack of Oversight and Government 
    ​Regulation Gives Credit Card Processors 
    ​Free Rein to ​Overbill Merchants. 

Zero Disclosure 

Zero Disclosure Billing is just that. The processor does not make up complicated billing techniques, such as Bucket, Bundled, Numeric, or Missing Category Billing. The processor just takes an amount of money from the merchant’s account, shows no math, presents no categories or breakdowns and gives no explanation.


  • Very easy to detect
  • Does not require an audit to uncover
  • Found on about 5% of audits
  • Found mostly on small  merchants 

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