What is a Cash Discount Program?

A Cash Discount Program allows you to offer a lower price to customers who pay with cash, while those who pay with a card cover the cost of the transaction fee. For example, if something is $20 and they pay by card the customer pays $20.80. This offsets your processing costs and you keep the full $20. This eliminates your card fees entirely. It’s 100% legal in Canada and the U.S. when implemented properly and disclosed to the customer.

Will my customers complain about extra charges?

Not usually. Most people already see these fees at gas stations and local stores. As long as signage is visible and staff are informed, customers generally understand. Many actually prefer businesses that stay open and thriving, especially family-run stores. You can also still choose to absorb some or all of the fees—it’s completely flexible.

If I don’t want to use the Cash Discount Program, can I still save money?

Yes, absolutely. While the Cash Discount Program offers the highest savings by passing fees to card-paying customers, we can still negotiate significantly lower rates for traditional card processing. Our team analyses your current setup and uses our industry partnerships to negotiate and lower your fees—often saving you 20–40% on your monthly fees without changing how you charge your customers.

How fast can I get set up?

Most businesses are set up and running within 24 to 72 hours. We handle the switch from start to finish, including installation of terminals and any staff training needed. There’s no disruption to your current operations.

Do I need to sign a long-term contract?

No. We believe in earning your trust—not locking you in. Most of our processing partners offer month-to-month agreements with no early termination fees. You're always in control.

How much can I actually save?

Savings vary by volume, but many businesses save between $300 to $2,500 per month. Over the course of the year thats a sizeable amount that can be used in more positive ways for your business. The more card transactions you do, the more you save. We provide a custom savings analysis for free—no strings attached.

What kind of businesses does this work best for?

• Convenience stores

• Restaurants & takeout spots

• Gas stations

• Barbershops & salons

• Retail shops

• Any business with $10K+ in card sales monthly