Cash Discount Program
Eliminate credit card processing fees with a compliant cash discount program
What is a Cash Discount Program?
A cash discount program allows you to offer customers a discount for paying with cash while adding a service fee to credit card transactions. This legal practice helps you pass processing costs to customers who choose to pay with cards.
- Offer discounts to cash-paying customers
- Cover processing fees with service charges
- 100% compliant with card brand regulations
- Transparent pricing for all customers
- Immediate improvement to your bottom line
- No changes to your current processing rates
How Cash Discount Programs Work
Set Your Cash Price
All your products and services are listed at the cash discount price - your preferred selling price.
Customer Chooses Payment
Customers choose to pay with cash (getting the discount) or card (paying the service fee).
Automatic Calculation
Your POS system automatically calculates the appropriate price based on the payment method chosen.
You Save Money
Processing fees are covered by the service fee, improving your cash flow and profit margins.
Cash Discount vs. Traditional Processing
See the difference between absorbing processing fees yourself versus offering customers a choice.
Example: $100 Sale
Sale Amount: $100.00
Processing Fee (3%): -$3.00
Your Net: $97.00
Cash Price: $97.00
Card Price: $100.00 (includes $3 service fee)
Your Net: $97.00 (regardless of payment method)
Benefits of Cash Discount Programs
Immediate Savings
Start saving on processing fees immediately. Average businesses save $3,000-$10,000+ annually.
Improved Cash Flow
Redirect processing fees to your bottom line instead of paying them to processors.
100% Compliant
Fully compliant with Visa, Mastercard, Discover, and American Express regulations.
Customer Choice
Customers choose their preferred payment method and understand the pricing structure.
Easy Implementation
Quick setup with your existing POS system. Full training and support included.
All Signage Included
Required compliance signage and customer notifications are provided and updated automatically.
Compliance & Legal Requirements
Required Disclosures
- ✓ Clear signage at point of entry
- ✓ Notification before payment processing
- ✓ Receipt showing service fee separately
- ✓ Staff training on customer communication
What We Handle
- ✓ All required signage design and printing
- ✓ POS system programming and setup
- ✓ Staff training materials and sessions
- ✓ Ongoing compliance monitoring
Frequently Asked Questions
Is cash discounting legal?
Yes, cash discount programs are 100% legal and compliant when properly implemented. They are recognized by all major card brands and regulatory bodies.
Will I lose customers?
Studies show minimal customer loss (typically under 2%) when programs are implemented correctly with proper signage and communication.
What about debit cards?
Debit cards are typically excluded from cash discount programs and processed at regular rates to maintain compliance with card brand rules.
How quickly can I implement this?
Most businesses can implement a cash discount program within 2-3 weeks, including POS setup, signage installation, and staff training.
Ready to Eliminate Processing Fees?
Get a free savings analysis and see how much your business could save with a cash discount program.