Eliminate All Credit Card Processing Fees
CDP Payments will enable your business to accept credit cards without paying any merchant service fees.
Saving merchants money since 2004
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Eliminate All Credit Card Processing Fees
The CashDiscountProgram.com will enable your business to accept credit cards without paying any merchant service fees.
Saving merchants money since 2004
As Seen On:
How Much Money Can You Save?
Use the tool below to calculate your savings. Simply slide the dollar amount to enter your monthly credit card processing volume, and see what you can save!
Credit cards have replaced cash as the primary way customers pay, but processing fees continue to reduce your profits.
Our Zero Cost Credit Card Processing Programs:
Enable businesses to legally pass processing fees to the cardholder, allowing you to keep 100% of your revenue, whether payments are made by credit or debit card. All of these programs are fully compliant in all 50 states.
Our Zero Cost Processing Programs eliminate the credit and debit card fees that typically burden your business. By applying a cash discount or surcharge at the point of sale, you pass the processing cost to the customer, fully compliant in all 50 states.
You can offer a lower price for cash payments and a slightly higher price for card payments, helping you keep more of your earnings. Whether through cash discounting, dual pricing, or surcharging, we help you eliminate 100% of your processing fees all without requiring major changes to your current operations.
Use a compliant cash discount or surcharge program to pass fees to customers and eliminate your monthly processing costs—no rate haggling, no extra tools, just increased profit for your business.
Our team will implement a merchant account including a surcharge program or true cash discount program to eliminate or dramatically reduce the cost of every credit card transaction from customers who don’t carry cash and prefer to make credit card payments. Surcharge programs will waive the fee to the customer for payments with debit cards. We consult with business owners to identify your needs and create a merchant account based on the type of cash discounting program or surcharge program that works for you. This way, your business receives a surcharge, cash discount or zero cost credit card processing program that makes sense which will eliminate credit card fees and possibly offer no fee for a customer using a debit card.
Our cash discount and surcharge programs have no monthly fees or merchant service fees, because saving money should never cost you money.
Cash-paying customers pay the lower cash price, while cardholders cover the processing fee. Debit card purchases are never surcharged. It’s a simple, legal, and transparent way to eliminate your credit card processing costs.
Instead of wasting money on expensive credit card processing fees every month, you can increase your revenue with the help of a cash discount program or surcharge program. Your business will reward customers for paying in cash by offering them a discount through this program while saving your business money. Surcharge fees offset credit card processing costs with a flat fee charged to card paying customers. This way, even if you are a small business owner you will have more revenue to allocate in your business, helping you be more successful by enabling you to compete with larger companies with more affordable prices.
By using a compliant cash discount or surcharge program, you can reduce or even eliminate your credit card processing fees.
Surcharge programs add a small fee to credit card payments, while cash discounting offers a lower price for cash and waives fees on debit card purchases. We follow all card brand regulations to ensure full compliance, so you can process payments efficiently and cost-effectively without any monthly fees.
A cash discount program gives customers a lower price when they pay with cash. At checkout, you can either display dual pricing—one price for payment by card and one price for cash—or apply the discount at checkout.
The discount typically matches your credit card processing fee (e.g., 3%), shifting the cost to the cardholder and rewarding cash-paying customers. It’s a compliant way to promote savings while protecting your profit margins.
Both programs eliminate your credit card processing fees, but they work differently:
Pricing (Cash Discount)
You show two prices:
Example: $5.00 for cash, $5.15 for card. Customers choose how they pay—simple, compliant, and transparent.
Surcharge Program
You show one price (cash price) and add a small fee only on credit card payments at checkout.
In short: Dual pricing shows both prices up front. Surcharging adds the fee at the register. Both allow you to eliminate paying credit card processing fees.
Ask about our ROCK STAR customer service – because all of our clients are ROCK STARS!!! Find Out How To Get Started
When you want to give your customers a discount for paying with cash, you can simply sign up with cashdiscountprogram.com and we will get you started. We have customer service representatives standing by to assist you.
We will provide you with equipment at no cost, which will enable you to give your customers the appropriate discount at the time of sale.
CashDiscountProgram.com will determine an appropriate cash discount amount. Normally, the processing fees will be between 3% and 4% depending on the amount of your average credit card sale.
We will provide you with the proper signage to post at your business stating the amount of the discount customers will receive when they pay in cash. You can post it on the door of your shop or at the point of sale. If you participate in a surcharge program, you will have to post the amount of the surcharge at the point of sale.
Credit card laws are always changing. With cash discounting or surcharging, the law may require a credit card accepting business to give its customers a notice of rate changes. CashDiscountProgram.com will help your business stay apprised of all changes to credit card processing laws. We handle credit card processing for you and we stay informed of changes to laws regarding cash discounting programs, surcharges, and the fees that can be charged.
If the surcharge program or cash discounting program you use is not compliant, or if you do not post charges clearly and in compliance with the law, you may upset your customer. Cash discounting and surcharging can be implemented legally when our team establishes the appropriate merchant account for your business.
The cash discount program that you use can use gift card processing using a more modern approach. This comes without the paper gift certificates and offers the more successful electronic gift card. These gift card programs don’t require a large upfront cash investment and can be applied to any business size. There is no manual tracking required, and every time a gift card is issued or used, you will receive detailed reports so that you can monitor them with ease. This will help you attract new customers, build your brand, increase sales, and reward customer loyalty.
Your cash discount program will incorporate flexible ways to introduce cost-effective approaches regardless of the industry that you are in. You receive cutting-edge POS technology that provides scalable services according to your company’s needs. A cash discount will be integrated seamlessly in the form of POS hardware and software. You will also be able to accept transactions that don’t require a credit or debit card. Mobile payments can also be accepted in your cash discount program.
For cash payments that are mostly virtual, we can help you increase your revenue for your e-commerce business through a special merchant account. This account will be designed to provide you a reduced service fee on cash payments. Cash discounting can help you process transactions over the internet with complete end-to-end processing services. It will be created to accept all major credit cards and debit cards. Your cash discount program will include complete training and set-up from beginning to end, making it very simple and quick to begin.
Cash discounting helps reduce the high risk associated with merchant accounts and their services. In general, business owners can expose credit card processors to the liability of potential credit card fraud. You may or may not need a high-risk merchant account when accepting credit cards, but with a cash discount program, we will review your business and help identify the factors that may make you a high-risk merchant. We can prevent credit card processing companies from holding your funds for months at a time and reduce your risk from credit card companies keeping significant percentages of your cash deposits to help reduce their risk, while implementing a cash discount program. This may apply to you if you are:
Your cash discount program can also provide a business cash advance that can be repaid as a percentage of all your credit card sales. You can pay off your merchant cash advance when sales are high but also provide low payments when sales are slow. Combined with cash discounting, this program is very flexible and has no fixed time frame or payments, making it easier to expand your business without suffering from significant debt.
You can reduce the cost of credit card processing fees and simplify every debit or credit card transaction with the help of cash discounting programs. We work with you to identify your needs and figure out a solution to help you slash the cost of burdensome credit card fees. Because we are flexible, innovative, and incorporate the latest technology, we put your business ahead of the curve and make you more competitive. Even if you are a high-risk merchant account, we have cash discount solutions for you that will improve your business processes. To get started, contact a cash discount program representative today to learn how you can reduce your credit card processing fees to zero dollars or little to no cost.
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