Cash Discounting

How does it work? A true cash discount is when a business offers a discount to customers who pay by cash, check or store-branded gift card, instead of with a credit or debit card. We've used this method to save our merchants on their fees by transferring the cost onto customers paying with credit or debit cards.

Save Money on Every Transaction


How It Works

The prices shown in your store are the cash prices, and customers will see a service fee added to their receipt as a separate line item. To have the service fee discounted or cancelled out, all they have to do is pay using cash or debit card.

Reduced Fees

The great advantage of offering a cash discounting is reducing or eliminating card processing fees associated with accepting credit cards. If you don’t process cards, you don’t have to pay for the service. 

Encourages Cash Payment

Customers who pay with credit and debit cards do not receive the discount and will notice a non-cash adjustment on their receipt. This creates an opportunity to have more cash payments from your customers.

Chargebacks Reduction

Since chargebacks originate from credit card payments, reducing such purchases through a cash discount program lessens associated risks, which could save you plenty.

vs. Cash Discounting


  • Prohibited in 10 states which include California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas
  • A legal consultant may be needed to ensure the merchant’s municipality allows surcharging
  • Surcharge cannot exceed 4% of the transaction
  • The merchant must notify all card brands if they plan on surcharging

Cash Discount

  • Not prohibited in any states and would not need a legal consultant
  • Must hang signage saying that the Cash Discount program is being implemented at the location
  • Save money on credit card processing
  • Less regulated than surcharging

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