Learn how much you can save after implementing a cash discount program for equestrian companies. Keep in mind, that Equestrian surcharge programs vary by state.

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.

Equestrian cash discount programs are becoming more popular for a plethora of reasons. First, with the cost of labor increasing as well as the cost of goods, many equestrian companies are forced to look for ways to improve profitability. One immediate change can be the elimination of processing fees. We’re the first company to truly eliminate all fees associated with equestrian merchant processing.


Most business owners are to busy to analyze their merchant statement and chalk up the fees as a cost of doing business. This is no longer the case. Eliminate Card Fees has direct sponsor bank approval from 3 separate banks to offer this unique program. There are two bucket of fees that are eliminated. There are 20+ fees that you can be charged for. Maybe some of these ring a bell. Annual fee, gateway fee, batch fee, service fee, etc. The other bucket falls into the interchange fees.


If you’re curious about how much money you can potentially save by switching to an equestrian cash discount program, utilize the dynamic savings calculator. Simply slide the calculator to your monthly credit card sales to see how much you can save! The money you save can be used however you deem appropriate. Whether that is hiring more staff, investing in marketing, new equestrian inventory, more horse stalls, or giving yourself a raise, the list goes on and on.

Eliminate Card Fees didn’t invent the cash discount program, we perfected it. In this section, let’s review the benefits associated with our program that can’t be found elsewhere. The benefits do not stop at just saving you money.


The terminals and equipment offered to our clients can be free with no fine print. All you have to do is have sales in excess of $10,000.00 per month in processing volume. This isn’t standard equipment either. Many merchants are using extremely outdated equipment. This can harm your business because you’re missing critical features. Its akin to using an iPhone 4.


The terminals that are provided to our clients doing over $10,000 per month are packed with features that can help you grow your business. Some features include text message marketing. This feature alone can drive up sales. Let’s say you searched for a horse stall cash discount program and found our website. After you sign up and start processing transactions, you lose a customer and a horse stall becomes available. You can now send a text message to all your past clients who may be looking for a horse stall. This allows you to generate income faster rather than just sitting there waiting for it to be utilized.


More features include happy anniversaries or happy birthday wishes. This helps with client retention and makes them feel like more than just a customer. It is also easy to create recurring payments which helps eliminate the need to constantly chase money which allows your business to run more efficiently, should you have recurring charges.


Lastly, cross-marketing is available. This is where on your receipt, another business that opted in will be shown. In return for you enabling this option, another business with also print your information on their receipts. This is another free way to get the word out about your business.


As previously mentioned, the random 20+ fees most merchant companies sneak into your statement are all eliminated. However, interchange fees must always be paid. With our technology, the cost of accepting credit cards are built into your pricing. This is how things should be done because unlike the 1930s, every one now pays with credit cards.
You are then able to offer a cash discount to people who choose to pay with cash since you will not need to the pay the costs associated with taking credit cards. Everything is done automatically as the customer is presented to pricing options at checkout a card price and a cash price! So there is no complicated mathematics to do and it is just business as usual.


Keep in mind, that many equestrian clients are astute individuals and generally use high reward credit cards for cash back, airline miles, and exotic hotel stays. Sometimes these cards can give up to 6x points. So even at a 3.9% adjustment, many times the customer is still on top. If they want to save on that cost, they can utilize cash or a cash equivalent payment method.


This is a far better approach then a blanket price increase because you are giving you customers the choice on how they want to pay. You’re merely including the cost of accepting credit cards into your pricing. Best of all, if you try the program and for any reason it isn’t for you, we can easily switch you back to your old way of processing where you pay the fees.

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!

If you were to implement a horse stall cash discount program, this is what a transaction would look like.


After a customer decides to board their horse, a customer will see the amount owed of let’s say $500.00.


The client will see a cash price and the client will see a card price.


If the cash option is chosen they will pay $500.00 as they will receive a 4% cash discount.


If the card option is chosen they will pay $520.00 as they will incur a non-cash rate adjustment of 4%.


You can also inquire about automated recurring payments as well for horse stall cash discount or surcharge programs.


Give us a call today to implement this amazing program which will help grow your business while eliminating fees and costing you absolut

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!