Curious how much revenue you can instantly add to your car rental company? Cash discount or surcharge programs are savings some companies $5,000+ per month!

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 innovative cash discount programs for car rental companies couldn’t have come at a better time. Our economy isn’t in the best shape. Several reports show that inflation is impacting businesses and many have not increased pricing to remain competitive. You must now fight inflation which comes with an increase in the cost of labor, cost of goods, and higher interest rates.


The results from our program are nearly impossible to match as truly helps you to eliminate all of your processing fees. Many car rental surcharge program clients have saved in excess of $3,000.00+ per month. How would saving around $3,000.00 per month impact your business?


You could add new vehicles to your fleet, hire additional staff, or do more proactive maintenance on your vehicles. As of 8/6/2023, Bank of America is offering car rental loans starting at 6.69%. Usually, those are attractive rates to get you in the door and typically are higher. Finding additional revenue in these tough times is a way to have a leg up on the competition. If you already have a large fleet and need an increase in reservations, using an extra $3,000.00 per month in a proven marketing channel can help you get reservations at a net-zero cost.

Of course, the main advantage of the car rental cash discount program is the savings. Most businesses are paying in excess of 3.5% when you factor in all the different fees. Many are unaware but you likely pay gateway fees, batch fees, annual fees, PCI compliance fees, and then the processing fees. They surely add up quickly and are responsible for taking thousands of dollars per month out of your pocket.


While cash discount program savings are a huge benefit – what you can do with the savings it was is truly impressive. The possibilities are nearly limitless. No matter what your goals – having consistent monthly capital to allocate towards your goals can never be a bad thing.


You would think that such a program would have their own fees. How else would you be able to pay 0% in credit card processing fees? Good news. Unlike other companies which charge monthly fees for this program, charges nothing. The means the savings you make, is the savings you keep. Our company makes a small percentage on the difference of our negotiated master wholesale rates vs the fixed 3.5% surcharge fee.


Your business can make money by increasing sales or reducing expenses. With our program you can effectively do both. Pay 0% in credit card processing fees which is reducing expenses and then use that money to fund increasing sales via marketing or advertising. The savings actually compound if you have an advertising channel yielding a positive ROI.

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!

The way it all works is pretty simple. First, with non-credit card purchases it depends if you opt for a surcharge program or car rental cash discount program. With a surcharge program, your prices remain the exact same. If you choose a cash discount program, you will discount the rate by 3.5% to incentivize the use of cash.


Whether you choose a surcharge program (available in most states) or a cash discount program, a 3.5% non-cash rate adjustment is added to the final price if you customer chooses to use a credit card. This price is typically the average of all credit card processing fees. You are not profiting from this at all, you are simply passing the fees you eat as a business owner to the consumer. Usually, customers are using these reward points to stack airline miles, cash back, etc.


How the program works at is quite simple. It simply costs $0.00 to get started and $0.00 in recurring fees to our company. That’s right. Say goodbye to setup fees, termination fees, monthly fees, annual fees, gateway fees, batch fees, and more. We’re so confident you’ll like the program it is truly risk-free. With no termination fees you can always go back to your old way of processing if you do not like the program for any reason.


The system works no differently than your current credit card processing terminal. The equipment we provide does everything for you automatically so it is truly effortless.

According to TripAdvisor, the average rental car in Florida runs $164.00 per day. So let’s say you have a customer renting a car for 2 days.


After implementing the surcharge program or cash discount program for car rental agency’s, your customer would see two options when they go to pay. If you chose a surcharge program, the price would be the same if they paid with cash ($328.00) . If you chose a cash discount program, the price would be reduced by 3.5% if paying with cash ($328 – $11.48 = $339.48).


The terminal asks if the client wants to pay cash or credit and then does everything above automatically. It couldn’t be any simpler. Something to consider is that you’re not increasing your prices. You are simply asking a customer to cover a more expensive method of payment. This is instead of allowing the credit card companies to take your money for fees. They do this in exchange for providing your customer with airline miles or cash back rewards from exotic credit cards.

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!