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.

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 EliminateCardFees.com 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!

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.

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!

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.

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!