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Cash Discount Programs & Compliant Surcharging Solutions
Lower your card processing costs with a compliant cash discount or surcharge program. We handle the setup, supply the required signage, and pair your program with a modern POS system through our Equipment Placement Program. Many businesses are up and running as soon as the next business day after approval.
Why Businesses Choose Cash Discount Programs
With a cash discount program, your posted prices reflect the card price, and customers who pay with cash receive a discount at the register. The difference offsets most of your card processing costs, so fees stop eating into your margins. Learn more about program rules and disclosures in our FAQ section.
Reduce Processing Costs
Offset a portion of processing expenses with compliant pricing programs designed around your business needs.
Compliant Setup
We help businesses implement proper signage, receipt disclosures, and compliant program configurations.
Flexible Program Options
Choose from cash discount, dual pricing, or surcharge-compatible solutions depending on your business type and goals.
Customized To You
We tailor each setup based on your industry, workflow, customer experience, and processing environment.
Understanding Your Options
Cash Discount Programs
Posted prices reflect the standard card price while customers paying with cash receive a discount at the register.
Dual Pricing
Display separate cash and card pricing clearly so customers understand payment options upfront.
Credit Card Surcharging
Eligible businesses may apply compliant surcharges to credit card transactions where permitted by law.
How it Works
Tell Us About Your Business
We review your industry, current setup, processing volume, and business goals.
Program Recommendation
We recommend the best pricing structure for your business model and make sure it meets card brand and state rules.
Fast Implementation
We configure your system, supply your signage and disclosures, and get you processing quickly.
Cash Discount FAQs
What is the difference between a cash discount and surcharging?
With a cash discount, your posted prices reflect the card price and cash customers receive a discount. With surcharging, a fee is added to credit card transactions at checkout. We help you choose the right option for your business.
Is a cash discount program legal?
Yes. Offering a discount for cash is permitted nationwide. Surcharging has additional rules: it is restricted in some states and cannot be applied to debit cards. We set up your program to follow card brand and state requirements.
How fast can I get started?
Many businesses are up and running as soon as the next business day after approval. Some industries, such as CBD, require additional documentation like product certificates of analysis (COAs), which can add 1 to 2 business days.
Do I need new equipment?
Through our Equipment Placement Program, there is typically no charge for the POS hardware. A $99 two-day shipping fee applies.
Do you provide the signage?
Yes. We supply the signage and disclosures your program requires.
Ready to Reduce Processing Costs?
Tell us about your business through a quick application, and we'll recommend the best pricing structure based on your business model, compliance requirements and payment processing setup.
Not ready to apply? Contact us here.
Availability and compliance requirements for surcharge programs vary by state, card brand rules, and business type.