Cash Discounting / Dual Pricing Calculator

Why Cash Discounting?

💳 The Problem: Processing Fees Are Draining Your Profits

Every time a customer swipes a credit card, you're losing 2-4% of that sale to processing fees. For many businesses, this represents thousands—even tens of thousands—of dollars annually that could be going straight to your bottom line. Traditional merchant processing forces you to absorb these costs as a "cost of doing business."

📉 The Agitation: It's Only Getting Worse

Credit card companies continue raising interchange rates, adding new fees, and introducing premium cards that cost YOU more to accept. Meanwhile, cash usage continues to decline, meaning more transactions are hitting your profit margins. Without a solution, you're watching competitors implement cash discounting while you continue subsidizing credit card rewards programs for customers who can afford to pay in full.

✅ The Solution: Legal Dual Pricing That Protects Your Margins

Cash discounting (dual pricing) is a legal, compliant way to pass credit card processing costs to customers who choose to pay by card—while rewarding cash-paying customers with your best price. This isn't a surcharge program; it's a discount program where cash customers receive a lower price. You set a single register price (the credit card price), and cash customers automatically receive a discount.

Key Benefits:

• Zero Credit Card Processing Costs: Credit card fees are offset by the program, with profit left over
• Legal Nationwide: Compliant in all 50 states when properly implemented
• No Customer Confusion: Clear signage shows cash vs. card pricing
• Instant Implementation: $50/month program fee includes signage, compliance, and support
• Protect PIN Debit: Regulated debit cards cannot be surcharged, and we handle them at minimal cost

The savings shown above represent real money that stays in your business instead of going to credit card companies. This is pure profit improvement with no change to your operations.