The cash discount program allows business owners to pass the cost of card processing to the customer, rather than absorbing it themselves. The business simply posts a sign stating all advertised prices are cash prices, and a small, disclosed non-cash adjustment is applied automatically when a customer pays by card.
The terminal handles the adjustment automatically. You don't do anything extra at the register. This effectively eliminates nearly all merchant processing fees for your business, while keeping the process fully transparent for your customers.
Fully disclosed and compliant under Texas Finance Code §339.001.
Standard Processing
2.6%+
paid by your business, every transaction
Cash Discount
~0%
paid by the business on card transactions
Fair, transparent, and increasingly standard
Card processing costs already exist today, on every transaction, whether your customers see them or not. A cash discount program doesn't create a new fee, it simply lets the customer who chooses the convenience of a card cover that small, disclosed cost, instead of the business quietly absorbing it every month while cash customers pay full price.
It also makes pricing more fair across the board. Every price already has processing costs baked into it somewhere. A cash discount program means each customer pays based on how they choose to pay, rather than cash customers unknowingly subsidizing card customers.
This model is more common than most people realize, gas stations, doctor's offices, even government offices use it. It's one of the fastest-growing payment structures in the country, because it's clearly disclosed and works well for both the business and the customer.
