Cash Discount

Not sure which program is best for you? Here’s a quick overview of three ways you can keep more of your profits.

  1. True Cash Discounting – A true cash discount is when a business offers a discount to customers who pay by cash, check or store-branded gift card, instead of with a credit or debit card.

  2. Non-Cash Adjustment – Implementing a non-cash adjustment is another way business owners can offer a discount off of their listed, stated and advertised prices. Customers who pay with credit and debit cards do not receive the discount and will notice a non-cash adjustment on their receipt.

  3. Surcharging – Surcharging is when a business owner applies a fee to a customer who pays by credit, not debit. It’s important to note that surcharging is prohibited in six states (Colorado, Connecticut, Kansas, Maine, Massachusetts and Oklahoma) and requires business owners to follow a few additional steps so they are in compliance with the card brands.

While cash discounts are successful for some businesses, they aren’t the best solution for everyone. Talk to someone today to see if a cash discount is right for your business!

O'Bear Payments
CA Office
805-241-4730

Interested?

CoCard is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.


CoCard is a registered ISO/MSP of Fifth Third Bank, Cincinnati, OH, Member FDIC

O'Bear Payments
NY Office

347-828-8695