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Dejavoo Z11 is one of the newest countertop touch screen terminal available on the market.

Key Features:

  • PCI PTS Certified
  • Takes EMV, Magstripes, and NFC/Contactless payments
  • 3.5” Full Color LCD Touch Screen
  • Supports On-Screen Signatures

Why Use Cash Discount Programs and Surcharge Programs?


Great Discount Programs to Consider

The cash discount program is becoming more and more popular all around the world.

On average, business owners in various industries can lose between 2-4% in credit card processing fees for every transaction they make.

Cash discount programs may be a recent hot topic for businesses in the United States but it’s actually been around for a while now.

For example, gas stations have implemented this program on their prices for years. You may have noticed the cost of gas will be less money when you pay with cash versus paying with a credit card which uses the listed price.

Definition of Cash Discount

A cash discount program allows business owners to offer a deduction on goods or services to motivate customers to pay with cash. However, if they choose to pay with credit card, the business can pass along the cost of acceptance to the customers. The customer is then given a choice to pay with cash and save or incur the cost of acceptance themselves.

Business owners who offer this may refer to it as a sales discount, while you will see the same discount be referred to as a purchase discount.

Cash Discount


Aren’t Cash Discount programs and Surcharge programs the same?

Credit card processing has become increasingly expensive for business owners, especially small business owners, so many are looking for any and all ways to cut their costs while still being able to offer card acceptance to their customers. By accepting credit cards as a form of payment, most businesses incur fees of 2-5% on every transaction, therefore significantly limiting their profits.

As a result, many small business owners are looking for solutions to recoup the majority of these lost profits. An answer to this dilemma was solved back in 2011 when the “cash discount” program was federally authorized in all 50 states. Since then, the program has been increasing in popularity and have been saving merchants hundreds, if not thousands of dollars each month. However, there has been some confusion as to what exactly a cash discount program is and how it differs from a surcharge.

While there are definite similarities between a cash discount program and a surcharge program, there are also a few distinct differences that are very important for merchants to know.

What is a Cash Discount program?

A cash discount program passes the cost of acceptance, in most cases 4%, back to customers who choose to pay with a credit or debit card. For those who decide to pay by cash, it provides a DISCOUNT of that same 4% on the transaction. Customers who choose to pay with a card will pay the marked amount because the processing cost is built into the cost of the item. This allows the business owner to recoup the full amount of the transaction and not incur any credit card processing fees.

For example, a transaction that normally costs $50.00 will now be automatically updated to include a service fee of 4%, or $2.00. If a merchant decides to pay with a credit card, they will pay $52.00 ($50.00 + the service fee of $2.00). If they decide to pay by cash, they will receive an instant “cash discount” of 4%, bringing the transaction back to the original $50.00.

True cash discount programs will automatically determine the service fee or discount amount depending on the payment type and must present a clear receipt detailing the service fee or cash discount amount. The merchant must also display proper signage at the point of entry and at their register informing their customers they are implementing a cash discount program. If done correctly, merchants set up on a cash discount program can save up to 95% of their monthly processing fees!

Is it legal to offer a Cash Discount program?

Offering a cash discount program is completely legal in all 50 states. The legality of passing fees to customers is covered by the Durbin Amendment as part of the Financial Reform Act. As long as the program is properly disclosed to the customer, it is a great way for merchants to save the good majority of their credit card processing fees, which, in most cases, can add up to hundreds, if not thousands of dollars each month.

What is a Surcharge program?

A surcharge program is similar to a cash discount program in the sense that it will offset the majority of a merchant’s credit card processing fees, but instead of offering a discount is paying by cash, it ADDS an additional fee, or surcharge, at the time of sale if a customer is paying by credit card. This surcharge fee, normally 4%, covers the cost of credit card acceptance for the merchant. Surcharge programs are currently legal in 44 states, but more and more states are easing their restrictions. When a merchant is set up on a surcharge program, it is also important to know that they must be registered with Visa/MC to offer the program, and surcharge fees cannot be added on debit card transactions.

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Accommodates All

Our Cash Discount Program accepts all types of credit cards and NFC payments.

Quick Setup

One of our representatives will help you easily set up the program to start saving!

Perfect for the Food Industry

This solution excels for restaurants and bars nationwide.

Stop Unwanted Fees & Charges

You can rid your business of high-costing credit card fees and interchange charges

Transparent Pricing

Our Cash Discount program does not have any hidden fees.

Supersmart Technology

Terminals with EMV Chip Reader. Cloud-based receipt system. Easy integration with most POS systems.

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Cash Discount

Our Cash Discount Program offers a solution to rid yourself of those annoying merchant service fees you receive when you process a transaction with a credit card. This can be done by charging a service fee to all your customers but give a discount to those who choose to pay with cash.

  • Access New Legitimized Solution
  • Receive Nationwide Coverage
  • Collect All of your Processing Sales
  • Accept your Funds the Next Day
  • Easily Set up and Manage the Program

How It Works


Save with Cash

This solution rewards your customers who pay in cash with a 4% discount.

Cut Your Fees

When a sale is made, your processing fees are included and a small service fee is passed onto customers who pay with credit cards.

Display Signage

Point-of-purchase pricing and discount signage clearly spell out the process to customers.

Get a Better Deal

With the Cash Discount program, you can bring your processing fees close to $0 at the end of the month.

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Credit Surcharge

The point of this program is for your merchants to offset your merchant service fees. This is considered surcharging customers who choose to pay with a credit card.

  • Access New Legitimized Solution Currently Available in 46 states
  • Rid yourself of Monthly Processor Fees
  • Collect All of your Processing Sales
  • Accept your Funds the Next Day
  • Easily Set up and Manage the Program

How it Works


Grow your Business

Your business can begin to grow and increase in profits now that processing fees can be eliminated with this program.

Surcharge Automatically

When you run a transaction with a customer who pays with a credit card, your terminal will prompt a surcharge of 4% automatically.

Talk to Us

Have questions, concerns? We have experts on this topic ready to answer any of your questions.

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How Cash Discount Works