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​Offset credit card fees with Cash Discounting

Cash discounting is a way to save money on credit card processing fees by offering your customers a discount for paying with cash. Instead of absorbing those fees, you pass the cost to card users while rewarding cash-paying customers, helping your business keep more of its revenue.

How do cash discounts work?

Cash discounting works by adjusting your pricing to include the cost of credit card processing fees upfront and then offering a discount to customers who pay with cash. Here's how it works step by step:

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1

Advertise the Program

You clearly display that all prices include a small fee for card payments, but customers who pay with cash will receive a discount.

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2

Apply the Discount

When a customer pays with cash, you reduce the final price by the fee amount, giving them the advertised discount.

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3

Process Card Payments Normally

Customers who choose to pay with a credit or debit card pay the listed price, which includes the processing fee.

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Why offer cash payments?

Reward customers for using cash over card payments

Optimize your pricing by a few percentage points

Use your increased revenue to offset credit card processing fees

Choose a POS system that lets you offer customers multiple payment options and makes it easy to do bulk menu and pricing updates.

Cash payments allow you to get paid faster and reduce chargebacks and fraud.

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How to remain compliant?

Include any credit card processing fees in your pricing

Let customers know the cash discount is available to them before they pay at checkout

Apply the discount to the entire invoice and show it as a line item on the customer's receipt

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With POS Specialists and Heartland at your side, you can get everything you need to succeed in one place. 

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