Cash Discount Program
Eliminate 100% of Your Processing Fees
What if you could accept credit cards without paying processing fees? Our Cash Discount Program makes it possible. Reward cash-paying customers with a discount while card users cover the processing cost. Completely legal and compliant in all 50 states.
Understanding Cash Discount Program
The Cash Discount Program represents a revolutionary approach to payment processing that has helped thousands of businesses eliminate their credit card processing fees entirely. Unlike traditional processing where merchants absorb 2-4% on every transaction, cash discount allows you to recover those costs transparently and legally.
Here's how it works: You set your displayed prices to include the cost of processing. When a customer pays with cash, check, or debit (PIN-based), they receive a discount—typically 3-4%—off the displayed price. Customers paying with credit cards pay the displayed price, which includes the processing cost. The result? You pay zero processing fees.
This isn't surcharging, which adds a fee at checkout and has restrictions in some states. Cash discount rewards customers for using cash rather than penalizing them for using cards. It's the same model gas stations have used for decades—the only difference is we're bringing it to all business types.
The program is completely legal in all 50 states and compliant with card network rules when implemented correctly. We provide all required signage, receipt language, and staff training to ensure your program runs smoothly. Your POS terminal automatically calculates and applies the appropriate discount or standard price based on payment method.
Many business owners worry about customer pushback, but the reality is most customers understand and accept the program—especially when framed as a cash discount rather than a card fee. The savings you realize typically far outweigh any minor customer friction, and many customers actually prefer the transparency.
Key Benefits
What Cash Discount Program means for your business.
How It Works
Set Your Prices
Display prices that include your typical processing cost (usually 3-4% above your target price).
Post Required Signage
Use the signage we provide at your entrance and point of sale to inform customers about the cash discount.
Process Payments
At checkout, the POS automatically applies the cash discount for cash/debit or charges the displayed price for credit.
Keep Your Savings
Card processing costs are covered by the card price. Cash transactions cost you nothing. Keep 100% of your revenue.
What's Included
True Zero Cost Processing
Unlike surcharging, cash discount adds value for cash customers. You price with the fee included, then discount for cash. Net result: you pay nothing for processing.
Compliant Signage Package
We provide professionally designed signage for your entrance, register, and menu boards. All signage meets card network and state requirements for full compliance.
Automatic POS Calculation
Your POS terminal or system automatically calculates and applies the appropriate discount or standard price at checkout. No manual calculations, no errors.
Customer Education Materials
Training scripts and materials help your staff explain the program confidently and professionally. Turn potential objections into satisfied customers.
Receipt Compliance
Receipts automatically show the discount or standard pricing with proper language to maintain compliance with all regulations.
Ongoing Support
Questions arise? Our support team understands cash discount inside and out. Get answers quickly from experts who know the program.
Pricing Overview
Transparent pricing for your business.
Processing Fees
Effectively 0% on all transactions
Monthly Fee
Varies by provider—typically $0-25/month
Equipment
Free terminal programs available
Contact us for custom pricing based on your specific needs and volume.
Cash Discount Program FAQs
Is cash discount legal?
Yes, cash discount is legal in all 50 states. It's fundamentally different from surcharging (which has restrictions in some states). With cash discount, you set prices that include processing costs, then discount for cash payments. This model has been used by gas stations for decades and is fully compliant with card network rules.
Will customers complain about cash discount?
Most customers understand and accept cash discount when explained properly. Many actually prefer the transparency. Gas stations have conditioned consumers to expect cash discounts. We provide training and scripts to help your staff explain the program confidently. The savings typically far outweigh any minor friction.
How much will I save with cash discount?
You'll save 100% of your processing fees. For a business processing $50,000/month at 3% average rate, that's $1,500/month or $18,000/year going directly to your bottom line. Calculate your specific savings with our free savings calculator.
What's the difference between cash discount and surcharging?
Surcharging adds a fee to credit card transactions at checkout. Cash discount displays prices that include processing, then discounts for cash. Surcharging is prohibited in some states and has strict compliance requirements. Cash discount is legal everywhere and frames the program as a customer benefit.
Do I need special equipment for cash discount?
Most modern terminals and POS systems support cash discount. We can typically enable it on your existing equipment or provide new terminals at no cost. Our team handles all programming and setup.
What about my existing contracts?
We can help you review your current processing agreement. Many merchants can switch to cash discount without penalty. Even if there's an early termination fee, the savings often justify the switch.
Services That Pair Well
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