Cash discount · Dual pricing · Surcharging

Stop paying to get paid.

Cash discount programs let your card-paying customers cover the cost of processing, so you keep more of every sale. We set up the program that fits your business and your state, and handle the signage and compliance.

Restaurants, retail, servicesCompliant signage and receiptsEnglish and Spanish support
Rivera Auto RepairReceipt #20417 · Example
Oil change$31.19
Tire rotation$12.49
Wiper blades$8.32
Card total$52.00
Cash discount (4%)−$2.00
Pay with cash$50.00
Posted prices include a 4% non-cash adjustment
Three ways to cut processing costs

Cash discount, dual pricing, or surcharging

All three shift the cost of card processing away from you. They differ in what your customer sees and where they're allowed. We'll recommend the right one for your business.

Cash discountYour posted prices include a small non-cash adjustment. Customers who pay cash get a discount at checkout.
Customer seesOne posted price, cash discount on the receipt
Applies toAll card payments
Where allowedAll 50 states
Best forRestaurants, bodegas, auto repair, salons
Dual pricingEvery item shows two prices, cash and card. Customers choose how to pay knowing both.
Customer seesCash price and card price side by side
Applies toAll card payments
Where allowedAll 50 states
Best forGas, convenience, retail with shelf pricing
SurchargingA fee is added only when a customer pays with a credit card. Debit and cash pay the listed price.
Customer seesSurcharge line added at checkout
Applies toCredit cards only, not debit
Where allowedMost states, with limits
Best forServices, B2B, high-ticket sales
How it works

Set up once, save on every sale

STEP 1We review your businessWe look at your industry, card mix, and state rules to recommend a program.
STEP 2Your terminal is set upThe program is configured on your device so pricing and receipts are handled automatically.
STEP 3Signage goes upRequired notices go at your entrance and checkout so customers know before they pay.
STEP 4You keep moreCard customers cover the processing cost, and your deposits reflect it.
What your customers see

Clear pricing at every step, no surprises at the counter

1At the doorA sign at your entrance explains the program before anyone orders or shops.
2At checkoutThe terminal shows the amount for their payment method before they tap or insert.
3On the receiptThe discount, card price, or surcharge is listed as its own line so the total is clear.
Savings calculator

See what you could keep each month

Move the sliders to match your business. For an exact number, upload a statement to our free AI analysis and we'll read every line.

Free AI statement analysis
Estimated savings$1,160 / month$13,920 per year
Estimate only. Actual savings depend on your card mix, pricing, program setup, and state rules.
Compliance and signage

Done right, so it never comes back on you

Card brands and some states have specific rules for how these programs are disclosed. We set yours up to follow them from day one.

Card-brand rulesPrograms are configured to follow Visa, Mastercard, American Express, and Discover requirements.
State lawsSurcharging is restricted in some states. We check your location and recommend a program that is allowed there.
Required signageWe help you post clear notices at the entrance and point of sale, in English and Spanish.
Receipt disclosureEvery receipt shows the adjustment as a separate line, the way card brands require.
Supported terminals

Runs on the hardware we deploy

Program availability varies by device. We'll match you with a terminal that supports the program you choose.

ValorCountertop and portable terminals
CloverAll-in-one POS systems
PAXAndroid smart terminals
DejavooCountertop and wireless terminals
FAQ

Questions merchants ask

Keep the money you've been paying in fees

Talk with our team about the right program for your business and your state.

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