Calculate the estimated savings you can realize by implementing a funeral home 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.

Did you like the savings estimate of our cash discount program for funeral homes? If so, you want to know exactly how all this works for your specific business. On this page, we’ll specify how the cash discount program would benefit funeral homes.


Cash discount programs are not new. Thousands of businesses are making the switch daily. When you purchase gas, they offer a cash discount program. Even when you go eat, you’ll see a 20% surcharge on some bills depending on the restaurant you attend.

There are various ways that funeral home cash discount programs are beneficial. First, it is no secret that worldwide inflation is up greatly since 2020. Many businesses have not increased their prices despite a large increase in the cost of goods and the cost of labor. Inflation is eating into the margins of funeral homes. Cash discount programs to eliminate merchant fees are one-factor funeral home owners can control. Offering a cash discount program is usually more well-received compared to raising prices across the board.


Standing out from the competition is another strong benefit of implementing a funeral home cash discount program. On your marketing materials, indicating that you offer cash discounts is a great way to motivate customers to at least receive a quote and tour your facility first. In such an important time in one’s life to plan their funeral or during a time of crisis, offering a money-saving option can be looked upon as admirable. This cash discount wouldn’t cost your funeral home anything and would not eat into any of your margins. That is because if they were to pay with a credit card, processing fees would eat into roughly 3% of the charge. This is the same amount you can discount your services for a net equal transaction but instead of the processing companies getting paid, those funds go to your customer.


The last benefit is the ease of use. With, you receive a fully compliant terminal that calculates the savings for your customer. After implementation, you no longer have to worry about annual rate hikes or sneaky fees charged by your processor such as PCI compliance or other fees. Many funeral homes often wish they learned about the cash discount program sooner!

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!

Most businesses are resistant to change unless there is a good reason. However, savings thousands of dollars per month is a pretty good reason to not resist change. The best part about the cash discount program is not many changes. You still accept credit cards. You just no longer are on the hook for the costly processing fees.


Therefore, you’ll be happy to know that the funeral home cash discount program works just like your current processing! However, instead of increasing your prices across the board to make you less competitive, you are offering a cash discount program. If a customer elects to not pay cash, they simply cover the processing rate of non-cash adjustment rate which is typically around 3-4%.


You are not making any money from the client but just asking them to cover the processing fees of their chosen payment method. This is typically received much better than higher base prices because the option is there to pay less. With higher prices, there is no option to pay less.

Let’s take a mathematical example of a standard customer. According to, the affordable burial cost in Florida is $5,194.00.


With a cash discount program, your terminal would offer savings of 3.5% if the customer paid in cash, which equates to -$181.79. If your customer elected to pay with a credit card, the terminal would show the non-cash adjustment rate of +$181.79. This is the same program done by gas stations yet nearly every person still pays with a credit card. The average consumer is accustomed to cash discount programs due to their use in everyday life.


As you can see, if the customer pays in cash they save the money the credit card processing companies use to take. This is a huge win for the customer. Only if they wish to pay with credit card (often to stack points), will they have the non-cash adjustment rate which only covers your fees. You do not profit from this but you eliminate the process fee loss and “break-even” on the transaction.

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!