Cash Discount Credit Card Processing




There is probability that you would have heard about the cash discount credit card processing program, if you are an active merchant in the vendor solution market. They are ending up being prominent with the merchant in addition to sales representatives. Yet there is complication concerning recognizing just what the money discount program is and what it’s not. In this material, I will describe regarding money discount rate program carefully and also share the possibility you and also your merchant can discover from the program.
For more than two years, my business has actually been offering the free credit card processing program, so I have actually gotten a great deal of practical experience with the program. Nonetheless, absolutely nothing in this write-up ought to be thought about as a legal recommendations due to the fact that am not an attorney. An industry attorney need to be called in case of any legal concerns.
Absolutely no processing costs

Businesses Across America are Taking Charge of their
payment processing fees by eliminating them completely! Would
you like to pay ZERO in monthly processing fees?
Free Equipment with no contract or termination fees
90 DAY SATISFACTION GUARANTEE – If you not 100% pleased
with our Cash Discount Program, we will switch you back to
traditional processing.

With the help of a cash discount program, vendors would be able to remove 100 percent of their handling costs by the enhancement of customer care cost on all sales, as well as using cash discount program to consumers that pay with cash. There is need for consumers to show a notice (consumer rates) to inform their customers regarding the customer support fee that is charged on all transactions- keyword being “all.”.

I will certainly utilize a 4 percent service fee to show. This indicates the price of every product in the shop is 4 percent greater than the amount that is listed on it, and the prices notice will show that a discount is given which is equal to the customer care fee when consumers pay with money. In this situation, if the price of a thing is $100 and also the customer decides to pay with various other techniques aside from cash, the genuine rate of such thing is $104. Nevertheless, the client will pay $100 if cash is made use of; this is since a service fee of 4 percent has been discounted.

A cash discount  program is various from an additional charge and also benefit cost. The Additional charge and also benefit fees are those that are usually added to the genuine price; they are not pay price cut. The reason people are not pleased with this before as well as still in some states is due to the fact that some states sees surcharging as a means of punishing customers for paying with credit card– not to broach MasterCard as well as Visa having their very own rules about surcharging.

It is not the same as surcharging.

As a result of particular court judgment over some years, surcharging as well as benefit charges have become extensively approved, but they are not readily available in all the states. What set apart a cash price cut program is that the consumer will certainly not be overcharged when making payment with credit card, since the price has been discovered. However, customers that pay with cash will certainly obtain a discount rate. So, do not misconstrue a cash discount program for an ease or additional charge cost.

                                                                                                                                                                                                          Keep your money.

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                                                                                                completely eliminate your merchant bankcard fees


What is Cash Discount Credit Card Processing?

  1. The right way to eliminate card processing fees
  2. Eliminate card processing fees asap
  3. The best way to eliminate any card processing fees
  4. Card processing fees – eliminated
  5. Eliminating card processing fees done right

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Recently, in the GS Online MLS Online forum discussion, one of the members Clearent asked, “Would certainly it not be easier for a merchant to raise cost by 4 percent and call it a day?” That is a fantastic question, as well as it could or may not result in the same objective. As an example, money discount rate programs are automated; just what Clearent recommended might require a manual calculation. The cash money price cut programs are also very transparent since the clients have the option of paying with money as well as conserve. By increasing the cost across board without providing a cash money price cut will bring about the cash money purchaser paying the total, which would certainly result to greater cost.

An advertising and marketing tool.

Likewise, for several companies, the money price cut program when marketed suitably feature as a tool to attract new customers. A lot of the consumers like the idea of price cut, as well as this is the reason most stores have a SALE sign showed throughout the year. A 4 percent cost across the board might achieve the goal of the seller relative to covering the expenses for handling, however I do not think that it would certainly be as powerful as a cash discount rate program properly applied.

Most merchant love the free credit card processing program because they would certainly be able to eliminate approximately 100% of their handling costs, merchant degree salespeople (MLSs) similarly enjoy them because of the greater ordinary margins that they supply, for greater than Ten Years, we’ve not seen such in the sector.





Nevertheless, when there is a remarkable possibility in our sector, it is being manipulated by some MLSs and also ISOs and also lead to less than moral practices. It is likewise crucial to be careful concerning your partners when marketing a cash  discount program. With it, you could build a solid portfolio with a reduced attrition price, while saving a great deal of cash for your vendors, however it is necessary for you and also the ISO you partner with to comprehend the cash discount rate program, so that your merchants would be correctly educated.

To find out more concerning Cash Discount Program: Call 866-223-0190

Also keep in mind that our program comes with free equipment, no contracts and no termination fee so it costs you nothing to try us out!.

An Introduction to the

Cash Discount Program

Cash Discount Credit Card Processing  credit card terminal for small business

*** Important update, please review initially *** Visa has actually officially revealed that cash money price cut as it has commonly been implemented throughout the repayments industry is not certified with Visa guidelines. You can read their statement here. 
You may be the owner of a little or an industry, but that is not important. The money discount program comes with countless advantages. Unfortunately, a lot of company owner do not know what this program is or what it is included. We now supplies a cash price cut program as an alternative with credit card handling services.

What is a Cash Discount Program?
A cash money discount program connects to the approaches merchants are applying in their organisations to pass the prices of approving credit and debit cards to their clients or cardholders. The merchants increase their costs through basic obvious signs in business place and also deal price cuts to the clients who make cash money purchases. Below’s a picture to show just how it functions:


A quick instance: If you charge 4%, processing charges on all things, the formula will suggest that the services or products you need to cost $100 will certainly retail at $104 unless your customer makes use of money. In that situation, the customers making money purchases will certainly be discounted and also will only pay the original $100. The total amounts are reviewed the client’s receipt.


Additional charge or benefit fees are different from money discount rate program. An additional charge is when merchants raise the cost of purchases made by charge card. No cash money discount costs or additional charges are enabled on PIN-based debit purchases. Surcharging is an option permitted to vendors as gone over right here at, nonetheless there are limitations as well as constraints to consider before surcharging your customers.
What are The Advantages of Cash Discount Program?

Lowered Fees
The main benefit relates to getting rid of or lowering card-processing costs connected with bank card accepted. After deciding not to procedure cards, you will not need to pay for the solutions. But if you have actually currently priced your products or services to cover the card processing charges, this advantage could not make good sense to you.
Much easier to Execute


Besides being more available to attain, the program is also much easier to explain to consumers. Some vendors isolate and afterwards pay for the card processing by assessing surcharges on the items clients acquire with credit or debit cards. That comes with countless difficulties. As an example, adding card-processing additional charges is illegal in several states. However, applying cash money price cuts is legal in all states. Discussing that every thing in the shop is priced with built-in service fees is typically very easy. The vendors can also subtract the cost quickly if somebody likes cash money payment.


Urges Cash Payment
Although most individuals prefer card payments, cash discount rates incentivize them to use cash money instead of debit or charge card for all their purchases. In other words, the time in between the sale and also the access to funds is minimal. Such transactions do not involve wait time or handling time for the cash to get on the vendor’s hand. In addition, vendors can eliminate fraudulence direct exposure.
Chargebacks Decrease
After lowering the variety of customers making use of credit cards in your store, chargebacks will likewise lessen. If chargebacks have been an enormous problem for your shop, the decline might aid you decrease the card charges you pay due to the fact that you will go to a reduced danger.

A Great Marketing Tool
The money discount rate might be an useful advertising tool for your dining establishment or retailer that will ultimately bring in even more consumers. Words “sales” is known to bring in more individuals, which is why most organisations show it at the year-end outside their shops. Obtaining more individuals inside your shop must be your main goal throughout the year.
Ideally, individuals will enter for a single product and also go out with even more. Although a 4 percent discount rate will certainly help you cover the expense of refining your cash money discount solution, it will certainly be a helpful sales or advertising tool if you implement it in the right way.

Total handling charges removal is important to most vendors. Vendor level salesmen gain from the programs as a result of the above average margins associated with them. Nevertheless, when picking a kind of cash price cut cpu, you ought to inform on your own on the linked problems.


How Merchants Can Boost Business with a Cash Discount Program


 Today there are a multitude of ways to pay– money, check, charge card, debit card, mobile as well as online, which is convenient for the more youthful, tech-savvy generations. However, integrating complex repayment innovation that requires an overhaul of existing software and hardware can test an entrepreneur’s ability to maintain their service practical.


One of one of the most typical grievances of small sellers like convenience stores, bars and single area dining establishments is the high price of accepting credit report and debit cards. Card processing fees can cut into currently thin margins for several company owner.


A current negotiation on a long-running court case in New York concerning surcharging could be a video game changer for sellers who have been taking on the concern of charge card handling costs. According to a Newsday write-up, the settlement will enable New york city sellers to pass surcharge charges on to consumers as long as the extra amount is disclosed in monetary terms. The golden state, Florida as well as Texas are to name a few states that have rescinded surcharge bans, permitting merchants to share or hand down the worry of using plastic. While additional charge charges are questionable, cash money price cut programs are legal in all 50 states.

Debunking the Cash Discount
Additional charge fees are commonly perplexed with cash money discount rates, developing unpredictability regarding the application as well as legality of cash money price cut programs. The 2010 Dodd-Frank Legislation, in the Durbin Change, mentions that companies are permitted to offer a discount to customers as an incentive for consumers to pay by alternative methods. The distinction is ideal discussed through the posted rate of an item or service. According to a Visa agent, “vendors can provide a reduced rate for cash acceptance … Nevertheless, merchants are not permitted to post a rate for money and afterwards charge a higher cost for cards.”


With a cash price cut program, vendors can provide clients the alternative to pay a discounted price when they pay with money. This eliminates the storewide service charge as well as decreases costs for both the consumer and also business owner.


Better for Service, Better for Customers
As soon as the distinction is comprehended, it is difficult to challenge the benefits of a money discount program for both retailers as well as their clients. Benefits include:

Decreased Costs. The most obvious benefit is lowering or removing charges related to credit cards usage. Vendors have the ability to minimize handling costs that cut into their revenue margins and also consumers prevent credit report rate of interest on tiny acquisitions.

Simpleness. A discount program is easier for staff members and also customers alike to recognize. Considering that all products in the shop are priced with a built-in service charge that is deducted if customers pay with cash, pricing disputes, interest rates, handling fees, chargebacks and various other difficult audit products can be substantially lowered for all parties.

Much less Financial obligation. Sellers have the ability to maintain even more earnings and reduce charge card charge offs. Consumers are also less likely to acquire significant credit card financial obligation if used a discounted cash money option.

With so many sorts of settlement alternatives, bank card handling can be a challenge for companies with smaller sized budgets. Sellers that are aiming to minimize costs that cut into their revenue margin can benefit from cash discount rate programs, while providing consumers extra budget-friendly pricing.




Cash Discount Credit Card Processing  credit card terminal for small business

Free credit card processing

What exactly is ” processing ” mean when it comes to credit cards?


The multi-step process that must be carried out to finish payments made using a credit card appropriately is referred to as “credit card processing,” It is the meaning of the phrase “credit card processing” used in this sentence. Commercial deals can take place anywhere today, thanks to the proliferation of technological technologies, including face-to-face, online, via telephone, or mail. The handling of credit card transactions involves participation from a variety of different entities.


When it comes to matters concerning credit cards, what exactly does it mean to speak about “verification and processing” in this context?


It verifies that the person presenting the credit card is, in fact, the owner of the card and that they are authorized to make the purchase using the credit card presented by them. The card’s security code is checked to ensure this is the case. Utilizing this kind of verification to allow purchases is critical for the security of your company and the information you gather about your clients. You will be able to accomplish this with the help of the Credit Card Verification service.


How much of a company’s total revenue boost may be anticipated when it begins to accept credit card payments?


The vast majority of the profits made by credit card corporations come from the fees levied not just against cardholders but also against merchants willing to accept credit card payments. This category may include a variety of various kinds of costs, such as interest and processing fees, amongst other potential examples. Credit card issuers and credit card networks like Visa and Mastercard can maintain profitable businesses thanks to the fees cardholders must pay to use their credit cards. These fees range from cents to dollars.


What exactly are people referring to when they say things like “online credit card processing”?


Processing consumer payments made online with debit or credit cards like Visa, MasterCard, Discover, or American Express is made possible by a technology known as online credit card processing. The customer may use these cards to make payments. It is possible to use these cards to make payments. When purchasing through an e-commerce website, customers are required to “swipe” their credit or debit cards, in the same manner they would look at a conventional gas station to complete the transaction. This is done to ensure the security of the customer’s financial information. This is comparable to how customers would pay for gasoline at a conventional gas station.


What exactly does it mean when someone says that their company offers “free credit card processing” and is referring to their own company?


What exactly is meant by the phrase “Zero Cost of Credit Card Processing” when a business advertises that it is available to customers? The term “zero fees” refers to a processing system that enables businesses to accept payments made with credit cards without being required to pay the fees typically associated with such transactions. This enables consumers to make purchases online without entering their credit card information each time. Due to this feature, customers can make purchases online without having to re-enter their credit card information for each transaction. The consumer, not your business, will be responsible for paying the credit card processing fee in the future. This means that your firm will no longer have to bear the burden of that specific financial obligation on its shoulders.


Why should small businesses prioritize having access to free credit card processing?


Companies operating with a high level of danger


You may need every dollar to reinvest in growing your business if it’s a high-risk endeavor, such as operating in a volatile part of the market or having inconsistent sales volumes. There are several situations where processing without the payment of fees can be an appropriate solution.


Small companies


Customers often know better how costs are passed on to them when they engage in commerce with enterprises owned and operated in their immediate community. Examples of businesses that often do not require additional merchant services include small cafes and boutiques, market vendors, independent merchants, and other retail establishments. If the fees associated with debit card transactions can be regarded as acceptable, opting for free processing will be your best bet.


On the other hand, as your company grows, your customers will have less patience for your errors as your company continues to grow. The fees associated with debit card transactions will likely rise to a level that will make it impossible to continue providing this kind of service. In addition, charging additional fees may encourage customers to switch to a competitor, which would be a loss for the original business.


Customers who operate at the enterprise level will have a stronger demand for supplementary merchant services and software to strengthen business operations. Instead of picking a credit card processor that does not charge transaction fees, it is likely to be more cost-effective to incorporate these services as part of your card processing solution. This is compared to selecting a credit card processor that charges transaction fees.


a large-scale business


Surcharging is an option available to companies that fall into the enterprise category. It is a potential technique that can be used to offset the overall costs connected with processing a significant number of credit card transactions. Surcharging can be used by businesses. A significant amount of money can be saved, the majority of which is due to the fact that business credit cards often come with some of the highest interchange fees. These savings can be made by avoiding the use of business credit cards.




Most free credit card programs use software add-ons to enable the user’s payment gateway, virtualized terminal, desktop terminal, or point-of-sale (POS) system to recognize when a credit card is used and promptly apply the relevant fee to the price of the transaction. This is accomplished through a payment gateway, virtual terminal, countertop terminal, or POS system. If you offer a cash discount program, the software used to apply the discount to customers who pay with cash can also be applied to customers who pay with other payment methods.


Remember that the processing fees associated with credit card transactions are typically the only ones these schemes transfer. Most merchant account fees, such as account fees, PCI compliance fees, credit card refund fees, etc., are not covered. These charges include account fees. In addition, you will frequently be required to pay a predetermined fee every month for the software itself. As is the norm in this industry, nothing is free regarding the processing of credit cards.


Even if the opportunity to cut costs on processing fees is undeniably appealing, several possible downsides should be considered. Processors attempting to sell you a “free” processing bundle will either downplay these disadvantages or exclude them entirely from their disclosures. Surcharging customers who pay with credit cards, in particular, is likely to harm sales since customers who do not wish to pay the additional amount will take their business elsewhere. If customers feel they were treated unfairly, they can file a formal complaint with the attorney general’s office in their state or with their credit card company.

Adding a premium to credit card purchases has positive and negative aspects, which are discussed below.




The benefits include a reduction in part or all processing expenses, as well as more accurate projections of cash flow.




A monthly fee may be required, and any unnecessary charges will still be incurred (chargebacks, etc.)


Demands adequate warnings to be given to customers and signs, which is likely to result in a reduction in overall sales volume.


You can put yourself at risk of legal trouble if you don’t apply it properly.

Should it be carried out improperly, this could result in the termination of your account.





Whether you refer to it as “zero-fee credit card processing,” “free credit card payment processing,” or just “surcharging,” the business practice of charging additional fees to customers to recoup some of the money lost when processing credit cards is becoming an increasingly common one. Even though it has never been popular with customers, many businesses are beginning to use it because of loosening regulations.


If you find yourself tempted to install a free credit card processing software for your small business, it is important to consider whether doing so would have a net good influence on your cash flow. You need to consider the possibility of losing sales and offending your customers and compare it against the potential savings in credit card processing costs. Unfortunately, the only way to know for certain whether or not a surcharging program can be of assistance to you is to give it a try and observe what results in it produces.


The effectiveness of surcharging will vary dramatically between different types of businesses. However, if your company specializes in selling specialty goods that are not available in big-box stores, you may be able to make a profit from surcharging with only a minimal loss in sales. This is because big-box retailers do not carry these types of products. There is no surcharging practiced by major sellers such as Amazon and Walmart. Keep an eye on how your competitors are conducting business before you start charging your customers additional money for using their credit cards. If the vast majority of your direct competitors are already surcharging, you should also feel comfortable doing so. If none of your competitors practice upselling, you generally want to be someone other than the one who initiates the practice first.


If you have decided to pass along credit card processing costs to your customers, we recommend developing a cash discount program rather than levying a surcharge on clients who pay with credit cards. Cash discount programs are more agreeable to your customers and do not come with the same legal concerns that surcharging programs do. Even though both programs produce the same outcomes, customers are more likely to participate in cash-discounted programs.


We also recommend that you inquire about assistance from your current merchant services provider if you intend to begin adding surcharges. You require a program that can automatically separate the cost into its parts and only use each when necessary. Attempting to manually tack on a surcharge to every transaction would be a recipe for disaster.


A customer in a convenience store walks up to the register with $20 worth of goods she notices a sign next to the register explaining that a 4% service charge is added to all store sales by paying with cash, she gets an instant cash discount of 4%.

The attendant scans all of her products which come to a total of exactly $20.00.

The customer informs the clerk that she is going to be paying by cash, which makes her total $20.00.

Most banks also allow their customers to withdraw cash through a cash advance to make the money more accessible to the customer.

Real time payments made in the form of cash will end up saving the customer some money using a credit card may result in simpler and faster payments, but they would be charged a small fee or surcharge for doing so.

A discount to customers paying with cash is given to the customer  it essentially rewards them for paying with cash  so, while credit card companies may prefer your customers to pay with cards, they will actually be rewarded for using cash.



Keep 100% of your hard earned money with Cash Discount Program, the cheapest credit card processing available.

Free Terminals are available free for your business designed to work with the true cash discount program.

To get started or get more information go to visa or call 1-866-223-0190

Cash Discount Credit Card Processing  credit card terminal for small business

Get a Free Terminal or POS system with our cash discount program

Cash discount program

The way for business owners to eliminate there monthly processing fees. Our program lets the terminal do all the work you can set the amount that you to mark the transaction up most business owners set the markup between 1% and 4% depending on there average sale amount.

The best part is we will give you a free terminal to try our program out. There also is no contract or termination fee.

To get started or have any questions answered please call 1-866-223-0190


Businesses All over America are Taking Charge of their payment processing fees by eliminating them completely! Would you like to pay ZERO in monthly processing fees?
Free equipment with no contract
90 DAY SATISFACTION GUARANTEE – If your not 100% pleased with our Cash Discount Program, we will switch you back to traditional processing.
Happy Customers – Over 174,000 Happy Customers and 39 Billion processed Annually.
Merchant are Moving to CASH pricing models. A cash discount isn’t only for the gas stations. This
is a pricing model that is giving merchants a reasonable option to reduce significant business expense. This empowers your customers to choose if they want to pay cash and save. Data shows that 90% of merchants will stay with the Cash Discount program because they did not lose customers but experience ZERO processing fees on their bill.

No more Annual Rate Increases or Hidden Fees.
Patented Automatic Process – The only Cash Discount solutions that holds 3 US patents.
More profits – Cash pricing model allows merchants to be more competitive overall, and increase profit margins.