The Savings - Cash Discount Program for Car Dealerships

Calculate the potential savings achievable through the implementation of a car dealership cash discount 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.

The Rundown on a Surcharge or Cash Discount Program for Car Dealerships

After using our car dealership cash discount program calculator also known as a surcharge program (same thing but without the cash discounts), you likely want to learn more about this innovative program. This page will try to customize all pertinent information specifically for car dealerships. We’ve seen the transformation this program can have for car dealerships to free up over $10,000.00+ in monthly net revenue in some instances. That is akin to turbocharging your revenue, using existing resources to instantly increase profitability.

Like having a competitive advantage compared to other local dealers? This significant amount of newly found revenue can be re-invested into the marketing of a dealership. You’ll be able to be more aggressive with your advertising. Walk-ins and internet leads are the lifeblood of any dealership. Finding “free” revenue to invest in proven advertising channels will equate to more car sales.

New and used car interest rates are at recent all-time highs according to Edmunds. Due to this constant rate increase, you may find the average closing ratio has fallen a bit. This is happening as consumers still want premium models without factoring in the impact higher interest rates have on their payment.

Learn How Cash Discount Programs Can Benefit Car Dealerships

There are several ways a cash discount program for car dealerships can be beneficial. As you can imagine, the largest benefit is the elimination of credit card processing fees. From paying over 3% to paying 0% is quite the difference. This program unlocks an almost infinite amount of possibilities.

As mentioned earlier, it is well-known walk-ins and leads are critical to hitting quota. If the goal of the dealership is growth, what better way to find nearly $10,000.00 per month to invest back into marketing? You can now take more market share from competitors at a net zero cost.

While we’re on the marketing topic, having a cash discount program can be what makes the customer choose your dealership over competitors. You can use this as a call to action on your marketing material. Just like at the gas station, many will still opt to pay with their card anyway but you will benefit from increased walk-ins and internet leads for the perceived “deal” they’ll get.

Controlling expenses is another benefit. It is widely accepted that the cost of labor and goods has increased significantly in the last few years. Unfortunately, you cannot control these market forces however you can now control your merchant processing fees.

There is now no reason to not accept credit cards. Before, Car Dealerships would require a check or money order due to the high fees associated with taking credit cards. These fees are now eliminated and car dealership cash discount programs pay 0% in processing fees.

You might think such a program is stacked with fees. That isn’t the case. When you choose to work with, you pay no processing fees, no setup fees, no termination fees, no hidden monthly fees, no PCI compliance fees, no expensive equipment to buy, etc. 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!


What’s Under the Hood of the Car Dealership Cash Discount Program?

Don’t worry about popping the hood and seeing warning signs about this program. The cash discount program for car dealerships from costs nothing.

No setup fees. No monthly fees. No termination fees. No costly equipment to buy. No long-term commitment if for some reason you don’t like the program. It also isn’t new. These programs have been around for quite some time. Each time you visit a gas station, you witness a cash discount program. Many auto repair shops, governments, municipalities, charities, daycares, veterinarians, and even restaurants are using this program daily.

There should be no concern about your internal processes changing. The cash discount model of dual pricing for car dealerships works just like your current processing. If a customer wishes to pay cash (extremely rare in this day and age), they will receive a 3.5% discount on the charge. This is the same as if they paid with a credit card with your current processing. The terminal does all of this for you and allows the customer to select their option. Remember, as of now you eat those processing fees. If the customer elects to pay with a credit card, there will be a non-cash rate adjustment of 3.5%.

Breaking Down the Math - A New Car Sale Example

According to, most consumers will put down 10%-20% on a new car purchase but for our example, let’s use 10%.

Let’s use a $20,000 new car as an example.

Once you implement the cash discount program your customer would see two options on the terminal for their $2,000 down payment. A cash option and a credit card option.

The terminal would automatically calculate the cash discount of 3.5%, so that would have a $70.00 savings shown, so $1,970.

The terminal would also automatically calculate the non-cash rate adjustment of 3.5%, so that would have $70.00 included in their downpayment, so $2,070.

If you’re interested in a surcharge program, there would be no cash discount so you would get 100% of cash while eliminating all credit card processing fees. Contact us as some states ban surcharges and we’re compliance experts.-

It is important to note that this isn’t a price raise or price increase. You are simply passing the processing rates that the customer chose to pay with. Why should you be funding the customer’s airline miles, cashback points, etc? These exotic reward cards are also the ones that charge the highest processing fees.

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!