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Cash Discount Calculator

See how much your business keeps with a cash discount program. Enter your numbers for an instant estimate.

Kept with cash discount
$13,920
recovered every year
Monthly fees now$1,160
Annual fees now$13,920
With a cash discount≈ $0
Get my free rate analysis →
Illustrative at the rate you enter. A cash discount program is legal in all 50 states when set up to the rules.
The problem

Why card fees eat your margin

Card processing usually costs 2.6% to 3.5% of every sale once interchange, assessments and markup are added. A cash discount program shifts that cost to the customers who choose to pay by card, so you keep close to the full ticket.

Step by step

How to use this calculator

1

Enter your monthly card volume

The total dollars you run through cards in a typical month.

2

Enter your current effective rate

Total monthly fees divided by volume, usually 2.6% to 3.5%.

3

See your savings

The calculator shows your current fees versus close to $0 with a cash discount.

Definition

What is a cash discount program?

A cash discount program advertises the card price as the standard price and gives customers a discount when they pay with cash. Card-paying customers cover the processing cost, so your out of pocket drops close to zero. It is closely related to dual pricing, which shows a cash price and a card price side by side.

Cash discount vs dual pricing vs surcharging

  • Cash discount: the card price is the posted price and cash buyers get money off.
  • Dual pricing: both prices are shown together.
  • Surcharging: a fee is added to credit cards only, within card-brand caps.

All three are legal when set up correctly. Compare the numbers with the dual pricing calculator.

The math

How your savings are calculated

Your current monthly cost equals your card volume multiplied by your effective rate. Multiply by twelve for the annual figure. Under a cash discount program, card payers cover that cost.

Example

  • $40,000 monthly volume at 2.9% is $1,160 a month.
  • That is $13,920 a year.
  • A cash discount recovers almost all of it.

For your exact number, request a free statement analysis.

Why ProTech

How ProTech Payments helps

Compliant setup

We build your cash discount program to the card-brand rules, with proper signage and receipts.

Keep your equipment

Most businesses go live in 1 to 3 days and keep the hardware they already use.

Real US support

A real person in Katy, TX for your account and questions. No call centers.

FAQ

Frequently asked questions

Everything US merchants ask before switching their online payments 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
Is a cash discount program legal?
Yes. Cash discount programs are legal in all 50 states when set up to the card-brand rules, with clear signage that a discount applies for cash. ProTech configures it for you so you stay compliant.
How is a cash discount different from a surcharge?
A cash discount posts the card price as the standard price and discounts cash. A surcharge adds a separate fee to credit cards only, within Visa and Mastercard caps. Most customers respond better to a discount than a fee.
How much can I save with a cash discount?
Most businesses recover 85% to 100% of their processing fees, because card-paying customers cover the cost. The calculator estimates your number from your volume and rate.
Will I lose customers?
Very few. Customers are used to cash and card prices at gas stations and many shops. With clear signage the choice feels fair and most simply pay the card price for convenience.
Do I need new equipment?
Usually not. Most businesses keep the terminal or POS they already use. Where an update helps, ProTech provides it as part of the setup.
How fast can I start?
Most businesses are approved and live within 1 to 3 business days. Request a free rate analysis to see your savings first.