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.

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.

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.

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!

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%.

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.

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!