Estimate the monthly savings you can realize with a cash discount program for auto repair shops. Dual pricing can transform your business.

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.

Are you imagining what those savings from the auto repair shop cash discount program could do for your business? Auto repair shops have historically paid greater credit card processing fees for many years. You can now confidently eliminate all merchant processing fees for good. Say goodbye to annual rate hikes, hidden fees, and losing money each time a customer swipes their card.


There is no question that since the Coronavirus, inflation is at a record recent high. The cost of labor alone has gone up 4.8% according to the Bureau of Labor & Statistics. The cost of parts has gone up. However, most auto repair shops have not increased their pricing to remain competitive. Our goal is to offer you a program that is more well-received than raising prices, eliminates your merchant fees, and puts thousands of dollars per month back into your pocket.

The #1 advantage. Realizing thousands of dollars in net monthly revenue. You can use those funds to turbocharge your advertising. Hire a new employee. Team building events. Whatever you wish. The program offered by eliminates all credit card processing fees you are accustomed to seeing. It is done effortlessly and automatically.


The second advantage is the cost to get started. It’s free. You don’t need some fancy, expensive machine either. It is a 100% FREE credit card processing terminal that makes the magic happen. It calculates the savings if your customer pays cash or calculates the cost of the transaction and adds just that amount to the total sale. In short, you don’t pay those processing fees anymore, your customer does if they choose to pay with a credit card to get their points. They can also choose to pay with cash and save some money too!


Another advantage is having a new marketing advantage. Be the first in your area to offer cash discounts to customers. Who doesn’t love a deal? Word of mouth could spread fast too when people learn they can pay less when paying cash. You can advertise cash discount programs all over your website to increase conversions as well.


Lastly, offsetting the cost of labor, rent, or cost of goods is welcomed to all repair shops. Passing processing fees to customers while offering a cash discount alternative is a great way for you to cover a portion of the increases in costs you’ve realized as a business owner.

google pay apple pay cash discount programs
google pay apple pay cash discount programs
The key advantages of using Google Pay & Apple Pay cash discount programs are consumer convenience. A perfect example recently happened in my personal life. I ran out the door to bring my two kids to the park and had a blast. Afterwards, they got hungry and requested McDonalds. I pulled into the drive through and forgot my wallet! Rather than entertain the thought to go 10 minutes home then 10 minutes back, I remembered I could use Google Pay! This made my day.
Now for the merchant, if I wouldn’t have been able to use Google Pay then they potentially could’ve lost my business. When I went home to grab my wallet, I likely would’ve just tried to make the kids some food at home. I don’t think there is one larger advantage than keeping a customer to place an order as opposed to having a customer leave because they forgot their primary payment method.

Disadvantages of Google Pay & Apple Pay Cash Discount Programs

As for consumer disadvantages of using Apple Pay or Google Pay cash discount programs, there would be a couple. In my opinion it is battery life and the requirement of internet connectivity. If you have no internet or a phone with no battery, this payment method will simply not work.
There are also a couple merchant disadvantages as well. One would be the requirement to have a modern terminal. Most companies charge for modern terminals or to upgrade an existing terminal. So there would be a cost associated with it. Another large disadvantage similar to card transactions is that payments can be disputed.
Both Google Pay & Apple Pay have have partnered with various POS systems and payment processors to accelerate adoption. The more integrations they are able to accomplish, the less likely a merchant will need to upgrade their terminal. This has had a profound impact on adoption as a merchant would gladly accept this form of payment as from their side it is nearly identical to accepting cards.

What Our Internal Data Says About Apple Pay & Google Pay

Based on our internal data, recent changes have made U.S retailers happy to accept Google Pay & Apply Pay. When the Covid-19 pandemic hit, when businesses re-opened they did not want to handle cash which may be covered in a virus which was spread very easily. This would put their staff in danger of acquiring the virus which is avoidable with contactless payments. Supermoney wrote an incredible article on Apple Pay & Google Pay and includes some great takes on the topic.

Google Pay & Apple Pay have evolved greatly. In my opinion, it is mainly about integrations. For instance, you can now use Google Pay & Apply Pay with public transportation. I expect to see continued integrations so utilizing this payment will be as popular as utilizing a credit card. In the future, I see more countries will be able to utilize this innovative payment technologies in which the advantages greatly outweigh the disadvantage for both the consumer and the merchant. Google Pay & Apple Pay cash discount programs will continue to thrive and take marketshare in our opinion.

17 Oct, 2023

Something to keep in mind when you are wanting to eliminate all of your credit card processing fees is that you have primarily two options. You can opt for a cash discount program or a surcharge program. Both are exactly the same when it comes to eliminating the credit card processing fees but the programs differ when one chooses to pay with cash.

Both of these programs have their advantages and disadvantages which we will review on this blog post. The goal is to help those who are unsure which direction to take when comparing a surcharge program vs a cash discount program.

The reason why most people get this far into the research process is simple. Instantly realizing an extra 3%+ on gross revenue (if a majority is credit card sales) is an attractive proposition. To become more profitable, you must cut expenses or increase sales. You can turbocharge your business by utilizing the savings to fuel additional advertising or marketing efforts proven to yield a positive ROI. But let’s take a look at when you could use each program.

When You Could Choose a Cash Discount Program

A cash discount program works great in commoditized industries. This is because you can attract customers by marketing your cash discount program that cares about deals. Most people prefer coupons and saving money, especially with high inflation. Some examples include convenience stores, grocery stores, gas stations, etc.

You can buy a coca cola anywhere but instead of you paying the credit card processing fees and receiving 3.5% less, you offer that discount to the customer. This enables you to stand out from all the other companies just doing the status quo and expecting to grow.

Also keep in mind that while the marketing sounds great, many people will happily pay more money for the convenience of using their cards. Want a perfect example? How often do you run into the gas station to save a few extra percent on gas? Sure – some people do. Based on my observations nearly every single car always inserts their card into the gas station pump.

When You Could Choose a Surcharge Program

A surcharge program works great in non-commoditized industries. You might be thinking, when is price ever secondary!? There are a few industries! Such as hotels that always charge resort surcharges, parking surcharges, and credit card surcharges will just be looked upon as “another” expense, etc.

Also consider plastic surgeons or cosmetic dentists, many patients will search for days, weeks, or months to find the perfect surgeon by analyzing their before and afters. Surely a customer who has gone through extreme due diligence wouldn’t mind paying an extra 3.5% to 4%. In fact, recently after getting new tires there was a sign in the shop that said all credit card transactions will incur a 4% non-cash rate adjustment. So even auto repair shops are using surcharge programs.

Surcharge programs work great if you prefer not to give a cash discount to your customers and be ultra-profitable with the transition from traditional processing to a surcharge program. You’ll have your credit card fees covered and cash covered, netting 100% of the sale price every time.

12 Sep, 2023

Eliminate Card Processing Fees

Zero Setup Fees

No More Annual Rate Hikes

Increase Net Revenue. Instantly.

Free Point of Sale Terminal* (POS)

No Contracts

Eliminate Credit Card Processing Fees!

Let’s say you get a customer who comes in and needs brakes. Let’s say it runs them $600.00.


After you do the job and you proceed to ring up the customer they will be presented automatically with two payment options on the terminal. They will be given a cash price. This price will be roughly 3.5% off the price. This is because if they would have paid with a credit card, you would eat 3.5% of the price anyway. So if they elect to pay cash, they would pay $579.00 or save $21.00.


If your customer decides they want to keep stacking points and get the advantages of using a credit card, the machine also displays a non-cash rate adjustment of 3.5%. So it would add $21.00 to the $600.00. This equates to $621.00 in this example. There would be a $600.00 charge and roughly a $21.00 charge to cover the processing fees you use to incur.

If you’ve been to a gas station and saw the card price and cash price, that is a cash discount program! There are also several governments, charities, and municipalities that have dual pricing for credit cards and cash. Even many restaurants these days are adding a 20% surcharge to bills.


The program has been around for decades and now cash discount program processing for auto repair shops can be implemented in your business. It takes less than 15 minutes to get started once you decide eliminating processing fees is the right move.

Eliminate Credit Card Processing Fees!

Request a Call With Us


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!