Orthodontist Cash Discount Program Savings Calculator

See how much an orthodontist cash discount program can save your practice! Estimate the instant savings if you were to implement our innovative cash discount or surcharge 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.

Learning About Orthodontist Cash Discount Programs & Surcharge Programs

After viewing the savings potential of implementing a surcharge or cash discount program for orthodontist practices, you want to learn more. This entire page is dedicated to the benefits, mathematic examples, and reasons why other orthodontists have made the switch.

When is the last time you looked at your merchant statement? Do you know the fees you are paying and the specific purpose of each of those fees? You’re likely busy running your practice and servicing your patients so you chalk it up to the cost of doing business. However, this is costing your business thousands of dollars per month. We’ve seen some larger practices save over $5,000 per month! The reasons are simple. There are no gateway fees, monthly fees, annual fees, batch fees, termination fees, and biggest of all…costly processing fees!

On top of all those merchant fees above, it is no secret that inflation has hurt many small businesses. Our team is not alone in our opinion. Recently, OrthodontistProductsOnline mentioned a key way to combat inflation is to lower expenses. The cost of living has gone up. As a result, the cost of labor and the cost of goods has also increased dramatically. At the same time, many orthodontist practices have not increased their pricing. This means when factoring in inflation most practices have become less profitable over the last few years.

The Benefits - Orthodontist Cash Discount Programs

The beauty of these programs is that they are not new. EliminateCardFees.com just perfected them. While some companies offer to eliminate processing fees, it comes with a cost. So they’d like to reduce your fees and then charge you monthly. That never made sense to us and we thought there had to be a better way.

That brings us to our first benefit. EliminateCardFees.com truly eliminates all of your processing fees. PCI compliance is outside of our control but our team works directly with you to ensure you remain compliant and do not need to pay this fee. This can make your practice instantly more profitable by around 3.5% if that is the average cost of your processing plus all the random fees you are paying.

Secondly, if you want to aggressively grow your practice, you can now utilize those newly found funds to invest in a marketing campaign. If you have a profitable marketing campaign you can now scale it up. Or perhaps you are slightly understaffed and need more help. Many times the savings can cover the cost of a new employee. The possibilities are endless and what you do with the savings is totally up to you. Maybe you’re overworked and deserve a pay increase!

If you opt for the cash discount program, you’ll have a competitive advantage over competitors in your area. Offering a slightly lower cash price (the same net price you currently receive by taking credit cards), will allow you to advertise the program. Being innovative and differentiating yourself is critical in these highly competitive times. This is great for marketing and can make the difference of a patient coming to your practice first and giving you the opportunity to win them over with your professionalism, past results, and clean practice.

EliminateCardFees.com 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!


How it Works - Orthodontist Cash Discount Program vs Surcharge

Let’s take a look at the differences of an orthodontist practice cash discount program vs a surcharge program.

Orthodontist surcharge program:

When a payment is due, the patient will choose whether they want to pay cash or credit. The terminal then will automatically do the following:

With an orthodontist surcharge program, your cash pricing remains the exact same. Nothing changes. When a patient chooses to use a credit card, there is a non-cash rate adjustment added to the total of +3.5%.

Orthodontist cash discount program:

Just like with the surcharge program, the terminal will do all the following calculations based on how your patient wishes to pay.

With an orthodontist practice cash discount program, if your patient chooses the cash option, your pricing would be reduced by 3.5%. When a patient chooses to use a credit card, there is also a non-cash rate adjustment added to the total of +3.5%.

An important consideration is that currently when you take credit cards, your net deposit is minus the processing fees. So on average, for every $100 charged, you receive roughly $96.50. You are essentially passing the money which goes to the credit card companies to your patient if they choose to pay with cash.

With both credit options when adding the non-cash rate adjustment, you’re not profiting from this but rather covering costs.

Looking at the Math with Both Programs

According to ConsumerAffairs, the average cost of metal braces is around $5,000 so we will use that as our example.

When a patient chooses to pay with cash at the terminal,

With orthodontist cash discount program pricing, the customer would see cash and credit on the terminal. If they choose cash, a 3.5% discount ($175.00) would be reduced from the total. This would make the $5,000 payment reduce to $4,825.00.

If they chose card, a 3.5% non-cash rate adjustment ($175.00) would be added to the total. This would make the $5,000 payment increase to $5,175.00.

Now with a surcharge program, everything with cash stays the same. It would be $5,000.00. Only if credit is chosen as the payment method would the non-cash rate adjustment go into effect, making the new total $5,175.00.

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!