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What Is a Cash Discount Program?

A cash discount program allows you to legally pass credit card processing costs to customers who choose to pay with a card, while offering a lower price to customers who pay with cash or check.

Instead of absorbing 2–4% in processing fees every time a card is used, your business can offset that cost by giving customers the choice:

Pay the cash price (no additional charge).
Pay with a card and cover the small processing fee.

This strategy is fully compliant with card network rules and state laws, as long as it’s set up the right way (that’s where we come in).

Who Benefits Most from This Program?

Cash discounting works well for most local businesses, but it’s especially helpful for:

Feed and farm supply stores with high volume and thin margins.
Tractor and equipment dealers dealing with large-ticket sales.
Repair shops and service providers handling both card and cash customers.
Convenience and hardware stores are trying to stay competitive.
Quick-serve restaurants and food trucks with frequent card use.

If you’re paying over $300/month in credit card fees, this program could dramatically lower your cost of doing business.

How Much Could You Save?

Let’s say your business processes $20,000/month in credit card sales.

At a 3% average fee, you’re paying $600/month—or over $7,000/year—just to take cards.

With our cash discount program:

Your credit card-paying customers cover the fee.
You keep 100% of your sale.
Cash and check customers pay less.
And you pocket the difference.

You could reinvest that money into your inventory, your team, or your equipment—instead of handing it over to a card processor.

We're a Fit If...

Still not sure if we’re right for you? Here’s who we serve best:

You’re a business owner tired of unexplained charges every month.
You’ve been with your current processor for more than a year without a review.
You’ve never had someone explain your statement line-by-line.
Your business is seasonal, mobile, rural, or non-traditional.
You don’t want to deal with call centers or offshore support.

We know what it’s like to run a small business. You shouldn’t need a finance degree to understand your fees or a tech team to get set up.

Keep More of What You Earn, Legally and Transparently