With 95%+ card usage and razor-thin fuel margins, processing fees are eating your profit. We eliminate them.
Free · No contracts · No pressure
Gas stations face a unique profitability challenge: 95%+ of customers pay by card, but fuel margins are only 1–3 cents per gallon. Processing fees are often larger than your fuel profit.
A gas station processing $150,000 per month in card transactions typically pays $3,750–$6,000 in fees. That's profit you'll never see. With Total Payment Solutions, those fees drop to $100/month or less — a savings of $40,000+ per year.
Our cash discount program works on all your in-store transactions immediately. Customers pay cash at a discount or pay the service fee with their card. This covers convenience store items, services, and inside transactions.
Cash discount applies to all point-of-sale transactions inside your store — snacks, drinks, coffee, lottery, services. Customers choose: cash at the stated price, or card with a service fee.
Customers who want to pay cash at the pump often come inside to use the ATM or pay with cash. Your inside sales margin is much higher than fuel — and you keep 100% of it.
Pump integration depends on your pump model and POS system. We evaluate your specific setup and can implement the program on inside transactions immediately. Pump integration handled on a case-by-case basis.
Customers are already accustomed to gas pump pricing differences from brand to brand and location to location. Cash discount is a natural fit for the gas station environment.
Pair our cash discount program with our ATM service. When customers want to pay cash, they use your in-store ATM. You earn surcharge revenue on every transaction — turning a customer need into additional profit.
Every customer who uses your ATM pays a surcharge. You keep that revenue. The surcharge offsets your ATM service fees and generates profit on cash transactions.
Real-time reports show ATM transaction volume, cash balance, and surcharge revenue. You'll know exactly when refills are needed and how much the service contributes to your bottom line.
We handle all ATM maintenance, refills, and technical support. You focus on running the station. The ATM works 24/7, generating revenue even when you're closed.
The combination of cash discount and ATM services creates a complete cash flow strategy. Customers who want to avoid card fees use the ATM. You earn surcharge revenue. Your processing fees plummet.
Total Payment Solutions also serves auto repair shops and car wash operators. If you diversify beyond fuel, we've got you covered.
Auto repair shops are a strong fit for our programs. High-ticket repair jobs mean processing savings are significant. We have relationships with consumer financing companies for large repair bills, making payment options flexible for your customers.
We work with attended and self-service car washes. Depending on your setup, we can implement cash discount processing for attended transactions and recommend hardware solutions for automated pay stations.
Whether you're a fuel-focused operation or you've diversified into repair and wash services, Total Payment Solutions has a payment strategy that works for your entire business.
From $3,750–$6,000/month to $100/month or less. The math is undeniable. You'll see savings of $40,000+ every year.
Your inside sales margin is 20–30%. Fuel margin is 1–3 cents. We help you drive cash customers inside where your real profit lives.
Earn surcharge revenue every time a customer uses your ATM. Turn cash demand into profit without any work on your part.
Month-to-month flexibility. If you're not happy with your savings or service, you're free to leave. We earn your business every month.
Our team understands the gas station business. We're available 24/7 and we know the unique challenges you face — margins, pump integration, compliance.
Cash discount programs are legal in all 50 states when implemented correctly. We handle the compliance details. No surprises, no audits.
"Processing fees were killing us. We'd process $150k per month and lose $5,000 to fees. Total Payment Solutions cut that to $100. The ATM inside the store gets used constantly, and we're earning surcharge revenue we didn't have before. Best decision we made for the business."
"We weren't sure the cash discount program would work at a gas station. Turns out customers don't mind at all. They see it everywhere. Our inside sales went up because more people were coming in, and the processing savings are real. We also run a small auto repair bay out back, and Total Payment Solutions handles that too."
Cash discount on fuel pumps depends on your pump model and point-of-sale system. We evaluate your specific setup and can implement the program on your inside store and c-store transactions immediately. Pump integration is handled case-by-case based on your hardware. We'll give you a clear assessment during consultation.
A gas station processing $150,000/month in card transactions typically pays $3,750–$6,000 in fees. With our cash discount program, that drops to $100/month or less — often saving $40,000+ per year. Your savings depend on your volume and current processing rates.
Yes. Auto repair shops are a strong fit for our programs. High average ticket amounts mean processing savings are significant. We also have relationships with consumer financing companies for large repair bills, making flexible payment options available to your customers.
We work with attended and self-service car washes. Depending on your setup, we can implement cash discount processing for attended transactions and recommend equipment for automated pay stations. If you run a car wash operation alongside your fuel business, we can handle the entire setup.
Absolutely. Gas stations and c-stores are our most common ATM placement customers. Customers who want to pay cash for fuel or in-store purchases can use the ATM — and you earn surcharge revenue on each transaction. It's a win-win: customers get cash, you get passive income.
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