The Cash Discount Program is a legally approved pricing model that empowers business owners to virtually eliminate the cost of accepting credit and debit cards — without raising their listed prices or alienating customers.

Rather than penalizing card users with an extra fee, the Cash Discount Program rewards cash-paying customers by offering a small discount at the point of sale. Your displayed prices remain the same for everyone, but when a customer chooses to pay with cash, they receive an instant discount. If they choose to pay with a card, they pay the posted price. It’s simple, transparent, and most importantly — 100% compliant in all 50 states.

This program has become increasingly popular in recent years due to the steady rise in card processing fees and the pressure those costs place on small to midsize businesses. It gives merchants back control over their margins — without sacrificing customer experience or inflating prices across the board.

Unlike surcharging, which can carry regulatory limitations in certain states and applies only to credit cards, cash discounting is universally accepted under the 2011 Durbin Amendment of the Dodd-Frank Act. It is supported by Visa, Mastercard, and other major card brands when implemented correctly, with proper signage and receipt formatting.

At its core, the Cash Discount Program is about fairness and sustainability. It ensures that business owners no longer have to absorb payment processing costs that benefit banks and card networks. Instead, those costs are offset naturally within the pricing structure — allowing businesses to preserve their revenue, reinvest in growth, and continue providing value to their customers.

With the right setup, hardware, and support, the Cash Discount Program becomes a seamless part of how a business operates. Customers understand it, staff can explain it easily, and the business sees real, measurable savings from day one.