Setting Up a Cash Discount Program

A cash discount program encourages customers to pay with cash by offering a discount, helping merchants reduce credit card processing fees. This guide explains how to set up and manage a cash discount program.

What Is a Cash Discount Program?

• Customers paying with cash receive a discount off the listed price.
• Credit and debit card payments are charged the full price.
• Helps merchants offset processing fees without adding surcharges.

How to Set Up Your Cash Discount Program

1. Review Legal Requirements

• Confirm cash discount programs are legal in your state or region.
• Understand disclosure and signage regulations.

2. Enable Cash Discount in Your Dashboard

• Log in to your merchant dashboard.
• Navigate to Settings → Cash Discount Program or Payment Settings.
• Turn on the cash discount feature.

3. Set Discount Amount

• Choose a fixed amount or percentage discount for cash payments .
• Ensure the discount reflects your average card processing fees.

4. Update Pricing Displays

• Adjust your price signage to show the “regular price” and note the cash discount option.
• Display required signage at your physical location to inform customers.

5. Train Staff

• Educate employees on how to explain and apply the cash discount.
• Ensure staff apply correct pricing during checkout.

Compliance and Transparency

• Clearly communicate pricing to avoid confusion.
• Provide receipts showing the discounted amount and payment method.
• Maintain documentation for regulatory compliance.

Tips for Success

• Promote cash discount programs to encourage cash payments.
• Regularly review discount effectiveness and adjust as needed.
• Combine with other payment options for customer convenience.