How Much Can You Save with a Cash Discount Program?

Use our cash discount program calculator to see the potential savings achievable through our Edge program.


Monthly Savings*


Estimate the monthly savings when you pay 0% processing fees via our surcharge or cash discount program.

Monthly Credit Card Sales: $10,000 / Month

* Estimated Savings Per Month Based on a 3.5% Average Credit Card Processing Rate.

Introducing Edge - The Best Cash Discount Program by Eliminate Card Fees

A cash discount program give business owners the edge in an increasingly competitive business landscape. This especially holds true with the cost of goods and cost of labor at near all-time highs. Most savvy business owners realize they must reduce costs or maximize their revenue to counter the current economic climate. Several have successfully migrated to cash discount programs to help reduce costs and increase profits.

While you cannot control inflation, you can control your merchant fees. A cash discount program allows you to cover the costs of accepting credit cards without doing a blanket price increase on all of your products or services. In this comprehensive guide, our goal is to showcase everything there is to know about cash discount programs. Taking a peak under the hood to see what they are, how they work, and why so many companies have already migrated to these innovative payment processing options.

The bottom line is that the best cash discount programs help business owners boost their bottom line with a processing option that has been around for decades. This guide will provide you with incredibly valuable insights and actionable information that you can utilize to your advantage. Without any more delays, let’s explore the many advantages and opportunities that cash discount programs offer.

What is a Cash Discount Program? Examples Included.

A cash discount program is an innovative credit card processing program that allows you to offer discounts to clients who pay cash and charge clients a non-cash rate adjustment if they wish to use a card. In 2019, the Federal Reserve found that 23% of respondents preferred paying with cash as reported by PaymentsJournal.

If the client pays cash – the discount provided is typically 3.5% to 4%. This matches with what typically averages out to be credit card merchant provider fees and fees from the major credit card companies. Meaning if the total is $100.00, you will offer the client a discount (3.5% = $3.50) so $96.50 cash. Your customers will enjoy immediate savings.

If the client pays with a card – the non-cash rate adjustment is typically 3.5% to 4%. This amount is meant to cover all the fees associated with taking credit cards. Meaning if the total was $100.00, you will receive $100 instead of $96.50 as an example.

This example is important because transparent pricing is required by regulators. Cash discount program regulations are very important to abide by. Our Edge cash discount program is fully compliant and free terminals are offered to any business doing over $10,000.00 per month. Our modern touchscreen terminals display both pricing options so consumers have the choice. vs Other Merchant Providers


Processing Fees?

Setup Fees?

3.5%+ Processing Fees

Termination Fees?

$195 to $1,495+

Hidden Month Fees?

$295 Termination Fee

PCI compliance fees?

Very Common

Setup Total:


$195 to $1,995 Setup

Monthly Fees:


$1,000 to $10,000+

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Are you ready to start paying 0% in processing fees?

Eliminate Credit Card Processing Fees!


5 Powerful Benefits of The Cash Discount Program

Seamless Integrations – Several of our clients have mentioned how seamless the integration was. We’ve been told it was fast. Easy. Simple. Our team has worked tirelessly to have these three adjectives associated with our cash discount program.

Cost Savings – The largest aspect of any cash discount program is the cash savings. However, all cash discount programs are not equal. This is because some cash discount merchant companies will charge a monthly fee to access their program. With the Edge program offered by Eliminate Card Fees, you’re never charged a monthly fee.

Increased Profitability – Profitability will be instantly increased the moment you integrate. Say goodbye to over 20 different types of fees in addition to rates paid to credit card companies. Many companies see an instant 3% increase.

Competitive Advantage – If you offer a cash discount program, this is an amazing differentiating factor that can set you apart from your competition. Most people love a deal, being able to advertise you offer a cash discount is sure to get the customers coming to you vs the competition.

Bonus Exclusive to Eliminate Card Fees – The elimination of all commonly hidden merchant provider fees. Did you know that there are over 20 different types of random fees most merchant providers tack onto your agreement? Some mandatory fees are required but our company even takes care of those on your behalf. Truly eliminate all of those random fees. Just some fees that we eliminate include monthly fees, service fees, annual fees, software fees, gateway fees, batch fees, chargeback fees, and much more!

The Cash Discount Program Conclusion

Eliminate Card Fees has helped countless businesses slash processing fees to 0%. There are several testimonials of happy clients from plastic surgeons and cosmetic dentists to marketing agency owners. These businesses have saved anywhere from $1,400 to $6,000 per month on processing fees. All of them have not had any issues with their patients or clients.

One frequent concern is what if my customers don’t like this non-cash rate adjustment? Keep in mind that many credit cards offer up to 6% cashback rewards. So even if you’re at a 4% non-cash rate adjustment, many customers will still be up 2%! Customers typically opt to use credit cards to stack airline miles, hotel stays, and cashback rewards. This is evident if you go to the gas station. Everyone has the choice to pay less by paying cash to the cashier, but most still pay at the pump with their credit card. The convenience alone is worth it to most customers.

In short, you can join several savvy business owners who have implemented the cash discount program as an innovative way to increase profitability without increasing prices. Give us 10 minutes of your time so you can realize how we serve our clients firsthand.

Are you ready to start paying 0% in processing fees?

Eliminate Credit Card Processing Fees!


How to Start Offering a Cash Discount Program


Give us a call at 877.624.8043 or fill out the form and a representative will reach out to you to answer any questions and send you the application to begin.



There are no setup fees. After approval, you will receive a free terminal that automates the cash discount program. There is no money out of pocket.



Our team will analyze your historical rates to identify a discount rate that is applicable to you. Typical rates are 3-4%.



To maintain compliance, you will have to post the signage. This is also great as it shows customers that you offer a cash discount!