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Cash Discount vs Traditional & Flat‑Rate — Comparison
Estimate Your Savings

Keep More of Every Sale

Stop paying for every swipe. Cash discounting gives you freedom from processing fees while offering customers visible savings at checkout.

Small business owner in front of shop

Know the Difference

How Cash Discounting compares to other programs.

Cash Discount

  • No registration required
  • Available to all merchant types
  • Applies to cash transactions only
  • Discount shown from displayed card price
  • Signage should clearly show both prices
Checkout counter background
Card price$10.00
Cash price save 3%$9.70
Show the card price and the reduced cash price.

Surcharge

  • Registration required
  • Credit cards only (no debit)
  • Fee capped (≤3%)
  • Restricted in some locations
  • Disclosure required on signage & receipts
Credit card at terminal
Items total$42.00
Surcharge (credit only)3%
Total$43.26
Disclosure appears at checkout and on receipts when surcharging.

Convenience Fee

  • Limited to non face‑to‑face / online payments
  • Cannot be a recurring bill‑payment fee
  • Flat or fixed amount (not a %)
Laptop checkout background
Subtotal$24.00
Convenience fee$1.50
Tax$1.68
Total$27.18
Typical online checkout where a fixed fee applies.

Service Fee (Managed)

  • Govt. & Education merchants only
  • Flat, fixed %, or tiered amount
  • Requires two separate transactions
  • Clearly labeled as Service Fee
Government building interior
Tuition payment$500.00
Service fee$12.50
Processed as a separate transaction
Managed programs for govt/education often add a clearly labeled service fee.

Not a Surcharge

  • Cash Discount reduces a displayed card price when paid in cash.
  • Surcharge adds a fee to credit card transactions and typically requires registration, disclosures, and percentage caps.
  • Receipts show the discount amount; customers always see both totals.
Receipt close-up
Items total$50.00
Cash discount‑$1.50
Total (cash)$48.50
Receipts should show both the original amount and the discount taken.

Estimate Your Savings

Estimates use a 3%–4% effective rate.

Your results

Estimated yearly savings
$18,000 – $24,000

Estimated monthly savings
$1,500 – $2,000

Put the savings to work

Hire & retain

Fund an extra shift or improve benefits.

Upgrade gear

Replace aging equipment or add stations.

Grow demand

Invest in ads, events, and loyalty.

Start Saving on Every Sale

Join thousands of business owners cutting fees with cash discounting and keeping more of what they earn.

Run My Numbers
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