Accept Credit Cards —
Pay Nothing in Processing Fees
Our cash discount program eliminates up to 100% of your credit card processing fees. Free Clover terminal. A small 3.99% service fee is shown on the customer's receipt — you keep every cent of your sale.
$100/Mo or Less — Guaranteed in Writing.
If your monthly bill exceeds $100, we'll make it right. No fine print.
Get Your Free Analysis
Free · No contracts · No pressure
Simple, Transparent, Legal in All 50 States
The cash discount program offsets your processing costs by applying a small service fee to card transactions — while rewarding cash-paying customers with a lower price.
Cash Customer
Pays the listed price. Saves 3.99%. You collect the full amount.
Card Customer
A 3.99% service fee is added at checkout and shown on their receipt.
You (The Merchant)
The 3.99% offset covers processing costs. Your net is the same on every sale.
Free Rate Analysis
We review your current processing statements — no obligation. We'll show you your exact savings before you commit to anything.
Free Terminal Setup
We deliver and pre-program a free Clover terminal. Compliant signage is included. Your staff is trained — we handle everything.
Save From Day One
Your processing fees go to zero. Monthly bill: $100 or less, guaranteed. Funds deposit as fast as next business day.
Your Monthly Bill: $100 or Less. Guaranteed.
We put it in writing. Most businesses go from paying $300–$800/month in processing fees to a flat $100 or less.
6 Reasons Businesses Switch to Cash Discount
Over 500 merchants across NC, SC & VA have made the switch. Here's why.
Zero Processing Fees
The 3.99% service fee applied to card transactions covers your processing costs entirely. You pay nothing to accept credit or debit cards.
Free Clover Terminal
We provide and pre-program a free Clover terminal. No hardware costs, no setup fees. Pre-loaded with your business information before it arrives.
No Long-Term Contracts
Month-to-month service. We earn your business every month — you're never locked in. Cancel anytime without penalty.
Next-Day Funding
Your money deposits to your bank account as fast as the next business day. No more waiting several days for your funds.
Fully Compliant
Cash discount programs are legal in all 50 states. Our terminals and signage meet all Visa, Mastercard, and Discover network requirements.
24/7 Local Support
A real person answers your call — not an overseas call center. Our NC-based team is available around the clock for any questions or issues.
Cash Discount Program FAQ
Everything you need to know before getting started.
Is the cash discount program legal in North Carolina?
Yes. Cash discount programs are legal in all 50 states. Federal law permits merchants to offer a discount to customers who pay with cash versus credit card. The key requirement is proper disclosure at the point of sale — which our compliant terminals and signage handle automatically.
Will my customers be upset about the service fee?
Most customers understand and accept it — similar to how gas stations have displayed cash vs. credit prices for decades. Our terminal clearly displays both prices, and the vast majority of businesses using our program report very little pushback. Customers who prefer cash simply pay the lower price.
What equipment do I need?
We provide a free Clover terminal that is pre-programmed for the cash discount program. No existing equipment is required. We deliver it, set it up, and train your staff — all at no cost to you.
How quickly can I get started?
Most businesses are up and running within 3–5 business days of approval. We handle all setup, programming, signage, and delivery. Your staff simply uses the terminal as instructed.
What if I process under $5,000 per month?
We work with businesses of all sizes. Even lower-volume merchants benefit from the program — you still eliminate processing fees and pay a flat $100 or less per month. We'll review your specific situation and give you an honest recommendation based on your volume and business type.
Is the 3.99% fee the same for all card types?
Yes. The service fee is applied consistently across all card types — Visa, Mastercard, Discover, and Amex. There is no difference in the fee based on the card used, which simplifies your pricing and keeps the program fully compliant.
Cash Discount Works for Every Business Type
Our program is customized for the specific needs of your industry.
Convenience Stores
High transaction volume makes cash discount even more valuable. Pair it with ATM services for maximum revenue per square foot.
Learn More →Tobacco & Smoke Shops
High-risk approved. We specialize in getting tobacco retailers approved and saving them money on every transaction.
Learn More →Carnivals & Fairs
Mobile, offline-capable terminals designed for the road. Accept cards at every ride, game, and food stand — even without WiFi.
Learn More →Ready to Stop Paying Processing Fees?
Fill out the form and we'll contact you within 1 business day with a personalized analysis and a free terminal offer.