Payment solutions
Give customers a clear choice at checkout: card at listed price, or cash at a discount, while you regain predictability on processing costs. Built for compliance, not guesswork.
Cash discount program
We review your ticket mix and compliance profile, then map a program that fits.
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24/7
Support mindset
POS
Retail & restaurant
ACH+
Stack with bank debits
Clear
Customer messaging
Illustrative themes merchants care about. Your economics depend on volume, mix, and program design.
We help you structure signage, receipts, and staff scripts so customers understand pricing, not a surprise fee at the end.
Retail, food service, salons, and service counters where card-present volume drives margin pressure.
Track card vs. non-card mix and effective cost so leadership sees the impact, not just a lower statement line.
Program parameters must match your MCC, state rules, and network requirements. We coordinate with underwriting.
Often combined with ACH for invoices or recurring customers who want lower-cost bank payments.
Card and non-card prices are visible before the sale, with signage and receipts that match the program your bank approves.
Interchange, assessments, and processor margin are typically netted out of your deposit. You advertise one price; the cost of acceptance is largely invisible to the buyer.
Buyers see a card price and a lower cash (or non-card) price when that model fits your state and network rules, or a clearly disclosed alternative that your sponsor bank approves. Signage, receipts, and POS logic have to match the program design.
Owners often see overlapping terms: surcharge, cash discount, service fee, or zero-fee wording. Each is a different structure under card network rules and state law. What you can run depends on card-present vs. online, debit vs. credit, and your MCC.
We align your posted prices, terminal behavior, and disclosures with what your processor and sponsor will approve. Share your statements and we will recommend a compliant program for your state and ticket mix.
A structured way to recover or reduce card acceptance cost while keeping customer-facing language clear. Depending on your facts, that may mean posting a card price and offering a discount for cash or other approved payment types, or another model your bank and card brands approve.
Discounts for certain payment types are common when disclosed properly. What you may not do depends on network rules, how prices are posted, product type (credit vs. debit), and state statutes. We work with processor compliance templates. We do not give legal opinions on your specific storefront.
Expect requirements around the posted prices, the amount charged, and plain-language explanation at the point of sale. Your processor will specify the exact copy block and POS parameters for the program you are approved for.
Card-present retail, food service, salons, auto repair, professional offices with counter checkout, and other ticketed-in-person flows, plus some B2B and ecommerce cases when the pricing model and gateway support it. High-risk or heavily regulated categories may have extra constraints; we route those files honestly.
Hardware and POS depend on your processor relationship and what is boarded in underwriting. Mention your current terminal or POS in the form. We will tell you if we can support it or propose an alternative path.
Solutions by industry
Stores, boutiques, and multi-SKU operators
QSR, full service, bars, and catering
Hotels, venues, and guest services
Dealers, repair, detail, and fleet services
Salons, spas, fitness, and wellness
Medical, dental, legal, accounting, and consulting
HVAC, plumbing, electrical, and contractors
Donations, events, and recurring giving
Free resources
Short explainers and calculators to help you read a statement, compare options, and ask better questions — no sign-up required.
Businesses with steady card-present volume that want to reduce effective interchange and assessment drag without confusing buyers. If you also need working capital, note it in the form below or use the funding links in the site footer.