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Accept Cards and Recover Processing Costs

Give your customers a lower cash price and keep more of every sale with a compliant Cash Discount Program. It reduces the impact of card processing costs. Offset your merchant fees legally. Offer your customers flexible pricing options they’ll enjoy.

Zero-Fee Processing

Turn Every Payment Into Profit

Our cash discount program empowers your business to eliminate credit card processing fees by shifting the cost to card users—while rewarding customers who pay with cash. You continue accepting all payment methods, but without sacrificing your margins. It’s simple, compliant, and built for modern businesses that want to grow smarter.

  • Cash-paying customers receive a discounted price, while card payments reflect the processing costs.
  • You can offset credit card processing fees without removing card acceptance from your business.
  • The model helps improve profitability by shifting processing costs away from the merchant.
  • It offers a simple way to encourage cash payments while still giving customers flexible payment options.
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Benefits

Why Is a Cash Discount Program So Beneficial for Your Business?

Reduce Credit Card Processing Costs

A cash discount program helps your business recover processing costs by passing them on to the card price. This keeps more of every sale.

Keep Pricing Simple and Transparent

With cash discount credit card processing, your checkout stays straightforward, with fewer hidden costs and a cleaner payment structure.

Support Secure, PCI-Compliant Transactions
A well-structured cash discount program credit card solution helps create a compliant checkout experience: reduced legal risk and better payment control.
Give Customers Clear Payment Choices
Customers can choose either a lower cash price or a standard card price, creating transparency while still supporting every major payment method.
Improve Cash Flow and Profit Margins
More cash payments mean faster access to funds and better control over operating costs, inventory, payroll, and everyday expenses.
How It Works

How the Patel Cash Discount Works

Refer

Your business displays a cash price and a card price, or a price structure that includes processing costs.

Get Sign-Ups

Customers who pay cash receive the discounted rate at checkout.

90-Day Success

Customers who pay by card pay the full listed price, which includes the processing expense.

Get Rewarded

The structure allows you to recover card processing costs instead of absorbing them.

Get Rewarded

This creates a more efficient payment model for merchants who want to better manage fees.

Ready to lower processing costs with a smarter payment model?

Start Your Cash Discount Program Today

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FAQs

Frequently Asked Question

What is a Cash Discount Program?
A Cash Discount Program is a pricing model where customers who pay with cash receive a lower price, while card payments include the cost of processing.
What is the difference between a surcharge and a cash discount?
A surcharge adds an extra fee on top of the posted regular price when a card is used (and is restricted in certain states). A cash discount program displays the standard card price while offering a discount off that price for customers paying cash. Cash discounts are legally protected nationwide and do not require card brand registration.
How does this help my business?
It helps your business reduce or eliminate credit card processing fees by shifting those costs into the card payment price.
Can I still accept card payments?

Yes, you can still accept both cash and card payments while encouraging customers to choose cash for the discounted price. You'll continue accepting Visa, Mastercard, American Express, Discover, and all major card brands. Customers simply choose whether to pay cash or card at checkout.

How fast can I set up cash discount processing?
We can approve your account and ship your pre-programmed, plug-and-play payment terminal within 24 to 48 hours.
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