What is a cash discount (dual pricing) program?
Cash Discount Program: Stop Absorbing Card Fees
A cash discount program lets your business accept credit cards while customers who pay by card cover most of the processing cost. Cash customers get the lower price, and we set up the signs and receipts the card brands require.
What Is a Cash Discount Program?
A cash discount program shows two prices: a cash price and a card price. The card price includes the cost of processing the card. When a customer pays with cash, they get the discount. When they pay with a card, they cover the processing cost instead of your business.
How it works at the counter
- Your terminal is programmed to show both the cash and card price.
- Signs at your entrance and register tell customers about the cash discount.
- Receipts list the price and the discount clearly, so customers know exactly what they paid.
- Your deposits arrive with most of the processing cost already covered.
Cash discount signage
Clear signs are what keep a cash discount program compliant. We supply the entrance and counter signs and set up your receipts, so you don't have to write the wording yourself.
Cash discount vs. surcharge
A cash discount lowers the price for cash. A surcharge adds a fee to credit card sales only, and the rules for surcharging vary by state and card type. Not sure which fits? Call Andy at (262) 370-8560 and we'll walk you through it.
How Much Money Can You Save?
Use the tool below to calculate your savings. Simply slide the dollar amount to enter your monthly credit card processing volume, and see what you can save!
Payment Processing Savings Calculator
See how much you could save with our lowest negotiated rates
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Eliminate Credit Card Processing Fees Legally and Easily
Credit cards have replaced cash as the primary way customers pay, but processing fees continue to reduce your profits. Our Zero Cost Credit Card Processing Programs enable businesses to legally pass processing fees to the cardholder.
Dual Pricing
Display two prices: one for cash (lower) and one for card payments (includes processing fee)
Example: $5.00 for cash, $5.20 for card
Cash Discount
Give customers a lower price when they pay with cash, typically matching your processing fee
3% discount for cash payments
Surcharge Program
Add a small fee only on credit card payments at checkout. Debit cards are never surcharged
$5.00 listed, $0.20 fee added for credit = $5.20 total
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. It's a compliant way to promote savings while protecting your profit margins.
Learn How to Get StartedCash Price
Lower price for cash payments
Card Price
Includes processing fee
The Advantages of Cash Discount Programs
Discover how our cash discount programs can transform your business profitability and customer experience.
Eliminate Transaction Costs
Pass credit card processing fees to customers and eliminate 100% of your monthly processing costs
No Hidden Fees
Our cash discount programs have no monthly fees or merchant service fees - saving money should never cost you money
No More Annual Rate Increases
Protect your business from unpredictable rate hikes and maintain consistent processing costs
Make Your Business More Competitive
Offer lower prices to cash customers while maintaining profit margins on card transactions
How Does the Program Benefit Your Business?
A cash discount or surcharge program offsets most of the 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. Surcharge rules vary by state, so we confirm which option fits your business.
Stop Paying Credit Card Fees
Use a compliant cash discount or surcharge program to pass fees to customers and eliminate your monthly processing costs.
Improve Cash Flow
Instead of wasting money on expensive processing fees, increase your revenue and reinvest in your business.
No Hidden Fees—Ever
Our programs have no monthly fees or merchant service fees, because saving money should never cost you money.
Ready to Eliminate Your Processing Fees?
Join thousands of businesses that have already eliminated their credit card processing costs with our compliant cash discount programs.
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