How Much in Fees Can a Daycare Cash Discount Program Save You?

Estimate the monthly savings from eliminating costly processing fees with our daycare 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.

Cash Discount Programs for Daycares

After using the daycare cash discount program savings estimator, you likely want to learn more. Once you learn about cash discount programs for daycares, it almost sounds too good to be true. There is some great news, it isn’t too good to be true. Within the Frank-Dodd Act was the Durbin Amendment which makes cash discounting 100% legal in all 50 states.

Many people that reach out to us have several questions about daycare cash discount programs which we’ll do our best at answering specifically on cash discount programs for childcare centers or daycares.

3 Reasons Why Daycares Should Consider Cash Discounts?

The first reason cash discount programs for daycares are popular is because of the profitability gains. Inflation has increased considerably in the last few years. As a result, the cost of labor has gone up along with the cost of goods. It would be unreasonable for business owners to not increase their pricing nor try to cover high fees where possible. If your daycare hasn’t increased pricing, implementing a cash discount program is a great way to cover some costs without being seen as “greedy” by increasing pricing across the board.

The second reason is marketing. Offering a cash discount program is a great way to distinguish yourself from the competition. In such a competitive environment, highlighting the fact that you offer cash discounts can really set you apart. For facilities that are at capacity – your current parents will enjoy the fact that you are giving them the option to save some money each month.

The third reason you no longer need to worry about Visa, MC, or AMEX increasing their rates which isn’t the best of surprises after such a tumultuous last few years.
In short, some daycares are seeing savings in the $3k to $5k a month range depending on their enrollment numbers. This is a significant amount of money and it is new revenue without increasing prices across the board. 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!


How Daycare Cash Discount Program Processing Works

Daycare cash discount program processing works just like your current credit card processing. Many daycares have chosen to implement a cash discount program for daycares because they didn’t want to necessarily increase their rates yet just cover some of the high costs associated with processing credit cards.

As you likely do, most daycares will usually charge weekly or bi-weekly. The only difference is there will be a cash discount applied to parents who choose to pay with cash. This makes $0.00 difference to your business as if they used an American Express previously and charged $250.00, your card processing fees would be around 3 to 3.5% on average. Let’s look at the math more closely.

The net deposit in your account would be $250.00 minus the card processing fees, so you are passing the card processing savings directly to your customer. At 3.5%, your customer would save $8.75. Therefore, with, your terminal would offer your customer a cash discount rate of $241.25. If they paid with a card, this is roughly the net amount that would enter your bank account.

If your customer elects to pay with a credit card, the terminal displays the non-cash adjustment rate and will display an increase of $8.75 to the $250.00. So the charge would be $258.75. After your merchant fees, you would receive $250.00 as the customer has elected to cover the non-cash adjustment rate.

FAQs for Daycare Cash Discount Programs

Some questions are asked more than others about this cash discount program for daycares. If you have a question you don’t see, feel free to reach out to us!

What is the cost to get this going? There are no setup costs with for established daycares.

Do you provide my daycare with signage on the cash discount program? Yes! Absolutely. Everything you need to remain compliant is provided to you.

Will you train my staff on how to answer questions? Absolutely. That is what makes our program special is the training so your staff feels confident in the program.

Most of my parents are on auto-pay, will this work with auto-pay? Yes. The program will work with auto-pay.

Will my daycare terminal work with this? No, because there are software updates specific to this program but the terminal is free.

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!