Restaurant Cash Discount Program Savings Calculator

Calculate your potential savings by entering your monthly credit card sales. This savings estimate is applicable for both cash discount programs for restaurants.


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.

Introduction to Restaurant Cash Discount Programs & Surcharge

Once you realize the amount of potential savings that are possible with a cash discount or surcharge program for restaurants, learning more seems reasonable. It is usually difficult for a restaurateur to answer the question – When was the last time you reviewed your merchant statement? Did you realize the fees you were paying and specifically what each fee was for?

The chances are you busy and chalk those fees up to the cost of doing business. However, as you likely realized if you have a busy restaurant, you are leaving thousands of dollars on the table each and every month. Some higher-end restaurants we work with have saved close to $10,000 per month, this is far from “nominal savings”. How would you use an additional $2,000, $5,000 or $10,000 per month? The possibilities are endless.

It is no secret that the cost of food and the cost of labor has gone up in addition to the cost of living. For this reason, a restaurant must increase prices, increase volume, or decrease costs. Our innovative solution can allow you to do the two that matter. Increase volume. Decrease costs. By savings thousands per month, you can reinvest this money into a marketing channel proven to yield you good results. This would in turn allow you to increase the amount of guests attending your restaurant.

Advantages of Restaurant Cash Discount Programs & Surcharge

Several restaurants have already moved to surcharge or cash discount programs. Many higher-end restaurants will add a 20% surcharge to all bills with parties of 8 or more. While this is an extreme example, several other restaurants have added a surcharge program to help offset costly credit card processing fees.

The first advantage is freeing up thousands of dollars that currently eat into your profits. This is by eliminating your processing fees with the implementation of our program. Our program also eliminates batch fees, gateway fees, monthly fees, and more. The only fee outside of our control is the PCI compliance fee because you must do certain activities to remain compliant. However, our team works with you to ensure you are in compliance and will help guide you.

If you’re short staffed in the kitchen or want to improve your quality, you can utilize the funds to higher a more experienced chef, advertise more to become busier, or even give yourself a raise for all the hard work you are doing. However you use these savings are up to you!

Another advantage of programs are the simplicity. There are no termination fees so if you find this isn’t something for you, you can always go back to the traditional way of processing because our equipment is compatible with that method of processing. 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 - Restaurant Cash Discount Programs vs Surcharge

There are some slight differences between a restaurant surcharge program vs a cash discount program which we will review in this section.

Restaurant surcharge program:

Once your customer is finished and pays the bill, if they choose to pay cash the total will be the same. Nothing changes. Only if they select paying with a card, will the terminal add a 3.5% non-cash rate adjustment to the total.

Restaurant cash discount program:

The cash discount program will take 3.5% off the bill if the customer pays with cash. This incentivizes the use of cash. Alternatively, if they pay with a credit card, the same 3.5% is added to the total.

Looking at the Math with Both Programs

The national average to eat out is around $25 per person. If we use a family of 4, that is $10.00.

Using a 3.5% cash discount with a cash payment, a $100.00 bill would have the customer responsible for $96.50. If they paid with a credit card, it would be $103.50.

Using a cash payment with surcharge programs for restaurants, a $100 bill would still be $100. Only if a customer elected to use a credit card would it be $103.50 which covers your costs to accept that credit card.

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!