Cash discount program: stop paying credit card fees
A cash discount program lets your customers choose to pay cash and get a discount.
What you get with a cash discount program
set‑up and install
Cash discount, dual pricing and surcharging
| Cash discount | Dual pricing | Surcharge | |
|---|---|---|---|
| How it works | Posted price is the card price. Cash gets a discount. | Cash price and card price both shown. | Fee added on top for credit cards. |
| Debit cards | Card price | Card price | Can't be surcharged |
| State limits | Allowed under federal law | Allowed under federal law | Some states restrict it |
| Your card fees | Covered | Covered | Partly covered |
| Set up by Tyler | ✓ | ✓ | — |
Not sure which fits? Tyler will look at your business and recommend one.
What are card fees costing you?
Fill in any two boxes and the calculator works out the third. Your effective rate is your total monthly fees divided by your total card sales.
Calculated: monthly card fees
You pay about
$900a month in card fees, or
$10,800a year. That's what a cash discount program can put back in your business.
Get a free statement reviewWatch: dual pricing in 90 seconds
Want more detail? Read Dual pricing in Sioux Falls.
Tyler handles the rules
- Signs at your entrance and register
- Both prices shown on the terminal or POS
- Receipts that show what the customer paid and the discount
- Same card price for every card brand
- Staff trained in person so checkout stays smooth
Great for
Restaurants, coffee shops, convenience stores, liquor and smoke shops, auto repair, salons, contractors and most local businesses.
Works with
Valor VL550 and other Valor terminals, Bodega AI POS, Clover, Dejavoo, PAX and more.
Cash discount questions
Is a cash discount program legal?
Yes. Federal law (the Durbin Amendment in the 2010 Dodd-Frank Act) lets businesses offer a discount to customers who pay with cash. The program has to be set up correctly, with clear signs and receipts. Tyler handles that for you.
How is this different from a surcharge?
A surcharge adds a fee on top of your price for credit cards only. Surcharges are capped by the card networks, can't be added to debit cards, and some states restrict them. A cash discount program does the opposite: it gives cash customers a discount off your posted price.
Does it work on debit cards?
Yes. In a cash discount program, every card pays the posted card price and cash customers get the discount. That is one reason many owners choose it over surcharging.
Will my customers be upset?
Most people already see cash and card prices at gas stations. Clear signs at the door and register and a simple line on the receipt keep it easy. Customers who don't want to pay the card price can pay cash.
What does it cost me?
Every fee is listed on your application before you sign, and Tyler walks you through each one. Nothing is hidden.
What equipment do I need?
Valor terminals like the VL550, Bodega AI POS, Clover and most systems Tyler sells can run a cash discount or dual pricing program. Tyler sets up the terminal so both prices show automatically.
What about tips?
Your terminal is set up to handle tips the right way for your program. Tyler will show you and your staff how it works during setup.
Our $500 guarantee
Show Tyler a recent merchant statement. If he can't get you a better deal, your business gets $500.