Med Spa Cash Discount Program Savings Calculator

Learn how much you can save after implementing a surcharge or cash discount program for med spas. Surcharge programs available in most states.


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.

An Intro to Med Spa Cash Discount Programs & Surcharge Programs

Med Spa cash discount programs & surcharge programs are growing in popularity daily. As 20% tips are normalized for cashiers at many restaurants, many business owners are adding surcharges or non-cash rate adjustments to pay for costly credit card processing fees. The reason why is no secret. Our country is facing huge inflation, increases in the cost of goods, and increases in the cost of labor. In order to stay open business owners must save money or get more business. While it is impossible to control outside economic factors, you can control your Med Spas merchant fees!

In addition to traditional processing fees which can average around 3.5%, there are several other fees many are unaware they are even paying! These useless fees include monthly fees, gateway fees, statement fees, batch fees, annual fees, and more. When is the last time you heard from your payment processor? Probably never. Out of sight, out of mind. That’s where comes in. We’re here to eliminate all your credit card processing fees and random fees. Eliminating all fees for processing. Period.

Med Spa owners are in a conundrum. No customers ever like to see prices increase. So giving them the option to pay in cash and keep the same price or cover the cost of their chosen payment method is a happy medium. As a business owner, you’re making $0 from making this change. Rather, you are asking your client to cover their costly choice of payment method. In fact, 99% of customers won’t even mind. A good comparison is gas stations, have you ever complained the credit price was higher than the cash price? Or intentionally went to the ATM to save 3.5%? Probably not!

Analyzing the Pros of a Med Spa Cash Discount Program

Without question, the number one pro of a cash discount program is going to be pure savings. Eliminating credit card processing fees and all of the other fees can add up to thousands per month in savings. With inflation at near all-time recent highs along with the cost of labor and cost of goods, saving money now is more important than ever. Being more profitable allows you to spend more money on growing via advertising and marketing. This is how you can successfully take market share from competitors because you could afford to advertise more due to your higher profit margins.

Some companies like ours will offer to merely reduce your rates to save you some money. We’re different. Our offer is to eliminate all of your credit card processing fees. Get this, without adding new monthly fees either! Our calculator found at the top of the page does an amazing job of estimating your monthly savings. Go check that out if you haven’t yet to get a more accurate picture of what you could be saving!

It doesn’t stop there. One unique aspect of our program is that there are no termination fees. Our goal was to make this program as risk-free as possible. If for any reason you don’t like it, we can switch you back to traditional processing with your same old rate. You can keep the brand new equipment too.

A huge benefit is that for Med Spas doing $10k per month or more in credit card sales per month, equipment is 100% free! This terminal will do all the math for you and do so automatically. It makes implementing this program a total breeze. Your checkouts will be as easy as your customer choosing their payment method and paying as they normally do.

Lastly, our team sets you up for success. We’ll send you signage to display and we are also happy to train your employees on how to answer any questions.This takes all the work off of your plate so you can focus on allocating the savings in new ways to grow your business or do your other tasks. 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!


A Mathematical Example of a Med Spa Cash Discount Program w/Surcharge Options

According to AmericanMedSpa, the leading Med Spa association – the average payment from patients in 2022 was $536.00. Let’s take a look at how that would look with both programs.

Med Spa Cash Discount Program Example:

If cash was used in a cash discount program, you would discount the total by 3.5% ($18.76) for a total of $517.24. ($536 average client payment – $18.76 3.5% cash discount = $517.24)

If the patient chose to use a credit card, the terminal would automatically add a 3.5% ($18.76) non-cash rate adjustment to the charge of $536 totaling $554.76.

Med Spa Surcharge Program Example:

If cash was used, nothing changed. So in our example, the total would be $536.00 if that was the patient’s responsibility.

If the patient chose to not use cash and use their credit card, a 3.5% non-cash rate adjustment would be added ($18.76) which would total $554.76.

As you can see the only difference is with a cash discount program you are giving the customer a great deal for using cash. With a surcharge program (available in most states), you are not giving a cash discount, but still applying a non-cash rate adjustment to cover the high fees associated with taking credit cards.

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!