Cash Discount Program

How Does the Program Benefit Your Business?

Our Zero Cost Processing Programs eliminate the credit and debit card fees that typically burden your business. By applying a cash discount or surcharge at the point of sale, you pass the processing cost to the customer, fully compliant in all 50 states. You can offer a lower price for cash payments and a slightly higher price for card payments, helping you keep more of your earnings.

How Can I Pay $0 in Processing Fees?

By using a compliant cash discount or surcharge program, you can reduce or even eliminate your credit card processing fees. Surcharge programs add a small fee to credit card payments, while cash discounting offers a lower price for cash and waives fees on debit card purchases.

What Is a Cash Discount Program?

A cash discount program gives customers a lower price when they pay with cash. At checkout, you can either display dual pricing—one price for payment by card and one price for cash—or apply the discount at checkout. The discount typically matches your credit card processing fee (e.g., 3%), shifting the cost to the cardholder and rewarding cash-paying customers.

Dual Pricing vs. Surcharge: What’s the Difference?

Both programs eliminate your credit card processing fees, but they work differently: Pricing (Cash Discount) You show two prices: Cash price (lower) Card price (includes processing fee) Example: $5.00 for cash, $5.15 for card. Customers choose how they pay—simple, compliant, and transparent. Surcharge Program You show one price (cash price) and add a small fee only on credit card payments at checkout.