Cost-Reduction Programs
Keep more of every sale.
Monthly Card Volume
$50,000
Cash Discount
Dual Pricing
Surcharging
Compare Programs
Estimate Impact
Three different approaches
One goal. Different ways to get there.
Cash Discount
Reward lower-cost ways to pay.
Dual Pricing
Show the choice clearly.
Surcharging
Offset eligible credit-card costs.
Which program fits?
Compare the three approaches side by side.
Compare three approaches to managing payment acceptance costs. The right fit depends on your location, customer experience and payment setup.
| Compare | Cash Discount | Dual Pricing | Surcharging |
|---|---|---|---|
| How it works | Offers a discount from the posted regular price when a customer pays with cash. | Displays separate cash and card prices before purchase. | Adds a disclosed fee to eligible credit-card transactions where permitted. |
| What customers see | The regular price and the available cash discount. | Both cash and card prices clearly displayed. | Notice of the surcharge before payment and the surcharge amount on the receipt. |
| Debit & prepaid cards | Do not add a debit or prepaid surcharge. Confirm how these cards are treated in your approved setup. | Confirm debit and prepaid pricing with your processor before launch. | Visa and Mastercard debit and prepaid cards cannot be surcharged, even when processed without a PIN. |
| Setup considerations | Coordinate posted prices, discount calculations, signage and receipts. | Keep displayed prices, checkout totals and receipts consistent. | Confirm permitted locations, applicable limits, required notices and credit-card identification. |
| Potential benefit | Encourages cash payments and may reduce card-processing expense. | Gives customers clear payment-price choices and may help manage processing costs. | May offset a portion of eligible credit-card acceptance costs. |
| Before getting started | Review pricing and checkout configuration with your payments provider. | Review price displays and payment-method handling with your payments provider. | Confirm eligibility and current requirements with your payments provider. |
Program names alone do not determine compliance; actual pricing, disclosures and checkout behavior matter. Availability and requirements vary by location, card network and processing agreement. No program guarantees the elimination of all processing costs.
Built for plataforms
The program is only as good as the way it's implemented.
Pricing Structure
Choose and configure the model that fits your business.
Customer Disclosure
Signage and communication built around what's legally required.
Payment Technology
POS and gateway configuration that applies the program correctly.
Ongoing Program Support
Stay current as rules and requirements evolve.
See how different payment-cost strategies could affect your business.
Estimated current annual processing expense
This estimate reflects your current volume and rate — it does not represent a guaranteed savings figure. A cost-reduction model built with our team can show how Cash Discount, Dual Pricing, or Surcharging could apply to your specific business.
The bigger picture
Grow is what payments make possible.
Accept
Protect
Grow
Operate
- FAQ
Cost-reduction questions.
No program guarantees the elimination of all processing costs. The outcome depends on your payment mix, program structure and applicable fees.
Debit and prepaid cards cannot be surcharged under Visa and Mastercard rules. For cash-discount or dual-pricing programs, confirm how these cards are handled in your approved setup.
Availability and requirements vary by location and program. Contact our team to review the options for your business before implementation.
Share your POS system, terminal or gateway with our team so we can confirm compatibility and the configuration required.
Pricing displays, customer notices and receipts must match the selected program and applicable requirements. Confirm the required materials and checkout setup with our team before launch.