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1. What are Cash Discount/Zero Fee Programs? 

By offering access to a cash discount program to customers who pay with cash, merchants can eliminate or greatly reduce their processing fees on all sales.


2. What is the difference between Cash Discount and Surcharging?

A cash discount occurs when a merchant decreases the price for cash purchases and offers merchants an alternative to credit card processing. Cash discount programs are not credit card surcharges because they do not levy a fee that is added to a credit card transaction.


A surcharge is a charge or fee that is added to the price of a good or service, and is usually added towards an existing tax. Forty states in the U.S. allow surcharge fees to customers who pay with credit card.


3. Is Cash Discount Legal in All 50 States?

By uniformly assessing a set non-cash adjustment fee across all products and payment types, merchants utilizing the CardPlus PayLo Cash Discount Program meet the standard regulations set forth by all major card service providers, state law and federal law. 


For more information, including downloadable federal and information on several state regulations, click here.


4. Will I need special hardware/software to use this program?

CardPlus® Empower provides you with all of the necessary hardware and proper signage to offer the Cash Discount/Zero Fee Program to your customers.


5. Are there any charges for me to use this program?

You pay a nominal monthly flat rate fee to cover all or most of your processing costs.


6. How will my customers know I am using a Cash Discount/Zero Fee Program?

CardPlus with signage to be displayed at checkout explaining that you have a Cash Discount/Zero Fee program in place with a brief description of their options.


7.When will my non-cash sales go into my business account?

Usually, your money will be in your account the following business day.


8. What if I have multiple locations?

 CardPlus will be able to assist all of your locations with whatever programs meet their needs.


Someone is Going to Pay Credit Card Fees

It Doesn't Have to be You!

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