Estimate your net revenue gains with an equipment rental company cash discount program or surcharge. Programs for equipment rental companies 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.

Chances are you used the calculator to see the cash discount program for equipment company potential. This innovative program is an exciting way to control costly credit card processing fees…by eliminating them. You can say goodbye to hidden monthly fees, PCI compliance fees, termination fees, and random fees for good. This entire page is dedicated solely to surcharge pricing for equipment rental companies and cash discount programs. In practice, we’ve seen this program free up in excess of $10,000.00+ per month in some instances.


According to InternationalRentalNews, rates that were 3-4% are now at 8-9%. It is clear that acquiring new equipment can be more costly than ever when you want to expand your equipment offerings. Even if you need to do a repair or maintenance, the cost of parts has also increased dramatically as well. While inflation, cost of goods, and cost of labor are out of our control; credit card processing fees are within your control.


These programs are not new. They’ve been around for over 10+ years. Several business owners are opting to no longer fund their customers’ exotic credit card reward programs. They are simply passing the processing rates to the customer. It isn’t something you’ll profit from, rather eliminate your processing fees to allow you to use that capital in ways to offer better service, better maintenance, or even towards aggressive marketing.

When considering making the switch to free up additional capital for various uses, you might be curious about what other advantages exist to make the switch. First and foremost is the core advantage of the program which is the elimination of credit card processing fees.


With, the largest advantage is that you won’t need to worry about any setup fees, monthly fees, equipment fees, PCI compliance fees, etc. There are simply no recurring fees or setup costs involved.


Now, when you eliminate merchant processing fees for equipment rental companies you can use those funds however you wish. We’ve seen our clients use the new funds for scaling marketing campaigns, implementing new advertising campaigns, more proactive maintenance of their equipment, and even acquiring new equipment to grow their offerings.

As a business owner, you have two ways to grow a business. Increase revenue. Decrease expenses. With an equipment rental company surcharge or cash discount, you can do both. Utilize the savings to implement campaigns to push more rentals. That is one way to compound growth.


If you choose a cash discount marketing program, you can also advertise cash discounts on your website and marketing material which may give you a competitive edge. It might be the difference of someone choosing your company vs another company. This is great for equipment rental companies in competitive markets with several competitors.

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 difference between an equipment rental cash discount program vs a surcharge program for equipment rental companies is rather small. They are the exact same program when a customer pays with a credit card. A flat fee that covers most credit cards is applied to the total at checkout.


With a cash discount program, at the register, your customers will be provided with two separate options. A cash option or a credit card option. The cash option will discount 3.5% on the total. The logic is that if they paid with credit cards, you’d net the same amount anyway. So you are giving your customer the deal instead of the major credit card companies.


With a surcharge program, equipment rental companies will not show a cash or credit option at the terminal. The program will simply add the 3.5% surcharge. Many times called a non-cash rate adjustment meant to cover the costs associated with accepting credit cards.

No matter the program you choose, getting set up is simple. Nothing needs to change internally as our no-cost equipment does everything for you. There are no calculations or anything that staff will have to do. They ring up a customer and the customer decides how to pay, just like it is now.


It is important to note that you’re not profiting anything from this change. You are merely covering an expense that you use to be responsible for. Breaking even on the deal. Many clients utilize credit cards strictly for accumulating points and you now will not be funding their airline miles, hotel stays, cash back, etc.

To make the breakdown easy, let’s use a real example. Let’s say a customer wants to rent a boom lift for a week. Let’s call it $1,500.00.


With cash discount pricing, the customer would see cash and credit on the terminal. If they choose cash, a 3.5% discount ($52.50) would automatically be applied for a total of $1,447.50. If they chose a credit card, a 3.5% non-cash rate adjustment would be added so it would be $1,552.50.


With a surcharge program, if the customer paid cash there would be no cash discount for a total of $1,500.00. If the customer chose to pay with a credit card, a 3.5% ($52.50) non-cash discount rate would be applied to their charge and automatically added for a total of $1,552.50.


If you choose to offer a cash discount program, you incentivize the client by giving them a way to actually save money which use to go to the processor if they paid via credit card. If you want to maximize savings, you can opt for just a surcharge pricing. This is up to you as most states allow both options and you can remain 100% compliant with surcharge or equipment rental cash discount program.

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!