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Cash Discount Program Cut Card Fees

Offset your card processing fees with a compliant cash discount program, set up with signage and receipts by a US-based team, no contracts.

$250 Million

 Payments Processed Annually

★★★★★5.0onGoogleUS-Based SupportNo Long-Term Contracts
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How Cash Discount Saves You Money with dual pricing and cash discount
Save up to 100%on processing fees
Dual Pricing & Cash Discount
How Cash Discount Saves You Money

A cash discount rewards customers who pay cash with a lower price, while dual pricing posts both a cash and card price up front. Either way, card customers cover most of the processing fee instead of you.

We program your terminals, print the signage, and set the receipt language to keep everything compliant with card-brand rules and state law. With processing at roughly 2.3 to 3.5 percent, recovery is real money each month. US-based support, no long-term contracts.

See how much you could save →
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Cash Discount

Reward cash, offset your card fees

A cash discount program posts your regular price and gives a discount to customers who pay cash. Card customers pay the listed price, which offsets your processing cost, while cash buyers save. ProTech sets up the signage, receipts, and terminal so it stays compliant.

You get compliant signage, a clear receipt line, and U.S.-based support that configures it for you. It is a simple, legal way to lower what card fees cost your business without raising your core prices.

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Merchant services and point-of-sale payment processing for your business
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Ways to Get Paid

Accept payments your customers love

Accept every way your customers want to pay with ProTech Payments, from credit cards to digital wallets, all on one secure merchant account.

Credit & Debit Cards

Credit & Debit Cards

Accept all major credit and debit cards in store, online, and by phone.

Digital Wallets

Digital Wallets

Take contactless payments with Apple Pay and Google Pay.

ACH & Bank Transfers

ACH & Bank Transfers

Collect low-cost ACH and bank transfer payments directly from accounts.

Mobile Payments

Mobile Payments

Accept mobile payments anywhere from your phone or tablet.

QR Codes & SMS Links

QR Codes & SMS Links

Let customers pay instantly with a QR code or a secure SMS link.

Recurring Payments & e-Invoicing

Recurring Payments & e-Invoicing

Automate recurring billing and e-invoicing with QuickBooks sync.

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All methods included, with no extra setup and no surprise fees.
Pricing options

Choose the pricing that saves you most

Three ways to price your credit card processing. Most ProTech merchants pick dual pricing to recover their fees.

01

Flat-rate

Simplest setup

One flat rate per sale, simple to read but usually the most expensive option.

  • One predictable rate
  • Easy to understand
  • Best for low volume
~2.6-2.9%effective rate
02

Interchange-plus

Most transparent

Wholesale cost plus a fixed markup, the most transparent rate for higher volume.

  • Full fee transparency
  • Lower cost at scale
  • Best for mid-high volume
~2.1-2.4%effective rate
★ Most popular 03

Dual pricing

Recover your fees

A cash price and a card price at checkout. Card customers cover the fee, so you recover most of your processing fees.

  • Recover most card fees
  • Cash & card price at checkout
  • No long-term contract
≈ $0net processing cost
See which fits my business

Not sure? We’ll recommend the best rate after a free statement review.

Why ProTech

The smarter merchant account

As a U.S.-based processor, we build your cash discount program to card-brand and Texas rules, so cash customers save and your card fees are offset, with clean signage and support that answers when you call, and no long-term contracts.

  • PCI DSS Level 1 secure processing with 256-bit encryption
  • Trusted by thousands of U.S. small businesses
  • Get approved in days, not weeks
  • Low transparent pricing with no hidden fees or long-term contracts
Get started today
01

Quick Setup

Get approved fast and start accepting credit card payments online.

02

Flexible APIs

Connect your store with flexible integrations and developer-friendly payment APIs.

03

Security

Built-in fraud prevention and chargeback management tools, ready whenever you need them.

04

Support

Real U.S.-based payment support, available 24/7 by phone and email.

What our merchants say

Rated 5.0 ★ from Google reviews by US businesses that trust ProTech with their payments.

How it works

Set up in three simple steps

From your first call to going live, ProTech makes switching payment processors simple.

1

Send your statement

We review your current credit card processing rates for free, with no obligation.

2

Set up signage

We program the discount on your terminal and post compliant cash signage.

3

Start saving

Go live with dual pricing and recover most of your credit card processing fees.

ProTech Payments specialists helping a merchant go live
Live in 1-3 daysReal US-based specialists
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No long-term contracts · No obligation

FAQ

Frequently asked questions

Everything US merchants ask before switching their credit card processing to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

Talk to a specialist →
or call (888) 255-0425
What is a cash discount program?
A cash discount program posts your prices to include card processing costs, then offers customers a discount when they pay with cash. Card-paying customers cover the processing fee through the listed price, which can recover most or all of your card fees. It is a legal, transparent way to stop absorbing 2.3 to 3.5 percent on every card sale. ProTech sets up the pricing, signage, and point-of-sale programming so the discount applies correctly at checkout.
How is cash discount different from dual pricing?
Cash discount and dual pricing both shift card costs off your bottom line, but they display differently. Dual pricing shows two prices on the shelf, one for cash and one for card, so customers see both before they decide. A cash discount lists the card-inclusive price and then subtracts a discount at the register for cash. Both are compliant when disclosed clearly. ProTech helps you pick the model that fits your customers and programs your terminal to handle it automatically.
How is this different from a surcharge?
A surcharge adds a fee on top of the listed price when a customer pays by credit card, while a cash discount lowers the price for paying cash. The distinction matters legally: surcharging is capped and restricted in some states and barred on debit cards, with card-network rules to follow. A properly built cash discount or dual pricing program avoids those traps. ProTech structures your program to stay compliant with card brand rules and state law.
Is a cash discount program legal?
Yes, cash discount programs are legal in all 50 states when the pricing is disclosed clearly before purchase. The key is transparency: customers must see that a discount applies for cash and what the listed price includes. This differs from credit card surcharging, which carries state-by-state restrictions. ProTech sets up the required signage and receipt language so your program meets Visa, Mastercard, and state disclosure rules, keeping you protected while you cut your processing costs.
How will my customers react?
Most customers accept cash discounting because the savings are clearly presented and many are used to seeing it at gas stations and local shops. Cash payers appreciate the lower price, and card payers see a small, disclosed difference for the convenience. Clear signage at the door and register prevents confusion. ProTech provides the in-store signage and trains your staff on how to explain it, so the rollout is smooth and your customer experience stays positive.
How much can a cash discount program save?
A cash discount program can recover most of your card processing costs, which typically run 2.3 to 3.5 percent of card volume. A business processing 50,000 dollars a month in cards might pay over 1,400 dollars in fees, and a well-built program shifts most of that off your books. Your exact savings depend on your card mix and ticket sizes. ProTech runs a free statement analysis first so you see real numbers before deciding. Call (888) 255-0425.

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Offset your card fees with a compliant cash discount program, set up for you, no contracts.

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