Cash Discounting, Dual Pricing & Surcharging

  • Recoup processing fees
  • Reward customers paying with cash
  • Simple and easy to implement
  • Integrate with your POS system
  • on site or online
  • Compliance-ready systems

What’s the difference?

Cash Discounting:
Reduces the sticker price of a product or service is the customer pays cash, check or with certain debit card processes. Credit purchases pay full sticker price. You can also leave the sticker price alone, and offer a discount for cash sales.

Adds a fee to the sticker price to cover the cost of processing payments by credit. Surcharging requires registration with processor associations.

Both methods:
Require compliance with full disclosure. Counter, Window, and door signage along with a line integrate at Point of Sale that line items the discount or surcharge.



No matter your preference, we have the solution.

Why Switch to Cash Discounting?

With Cash Discounting, you pass along the cost of payment processing to your customers. 

You can choose to increase the cost to your customers paying by credit or some debit cards at the time of sale, or decrease the cost of your service or product to customers who are paying by cash or check.  

This payment solution is saving merchants in your industry thousands of dollars per year in Processing fees.

Save Costs

Our Cash Discounting solution recoups thousands of dollars per year in processing fees.


Fully Compliant

We will assist you in maintaining compliance with your state and federal laws regarding cash discounting. Not all payment processors or locations allow this program. We will help find the right partners to save you money!


Accept Payments Your Way

Process payments in your store, on the road or online with our Cash Discounting System that is easy to use and implement.


Take control of your business finances with Cash Discounting today!

What is Surcharging?

Surcharging passes the cost of credit processing transactions to the customer at the time of sale. This practice is already commonly used in many countries. In 2013 surcharging became legal in the U.S. Until recently, some states, including Florida, have prohibited surcharging.  Although Florida Statutes currently prohibit surcharging, the US Supreme Court has determined that Florida law is unconstitutional based on the freedom of speech.  In 2013, new rules enabled businesses in America to do what universities and government had long been permitted to do, pass on the fee when customers choose credit cards for convenience or rewards.

Businesses no longer have to bear the burden of processing fees.

Accepting credit cards is a necessity in today’s world. The cost of processing high ticket transactions on a credit card could be putting a serious dent in your profits.  Is surcharging or cash discounting an option for your company?

In January of 2013, Visa and MasterCard updated their operating regulations to allow merchants to pass the costs of accepting credit cards on to their customers.

More options for your bottom line

Pass on the cost associated with credit card processing…with 100% compliance. Ask yourself, is it good for your business? Will your customers give you push back? Costco only allows one type of credit card from their customers to control their costs. Giving your customers an option to pay with a lower cost alternative is a win-win.

  • No long term contracts
  • No termination fees
  • No cost / low cost equipment*
  • Mobile acceptance
  • Virtual terminals
  • Online integration
  • Seamless reporting

*Minimums may apply
*Card Systems, Inc. offers cash discounting only through Clover, and Clearant, LLC through their approved devices and complete disclosures.

“Using a surcharging program is the best thing that has happened to my business. The high cost of transaction fees was killing me and eating into my bottom-line. I needed something better. The surcharging solution is easy to use and saves me thousands of dollars every year. I receive my funds and I am very happy overall.”

Gary M – Auto service

Don’t pay for someone’s SkyMiles!

Whether a customer is trying to get more perks from their payment or just received an upgraded card from their bank, accepting credit cards isn’t cheap. Don’t get stuck with the bill for someone’s SkyMiles and give an incentive for them to use a lower cost form of payment.

Let Us Know How We Can Help!

Card Systems understands that every business is unique, which is why we take a consultative approach to finding just the right solution for your processing needs.

We know your business is more than a credit card transaction which is why we offer additional products and services that streamline your business process and add value to you and your customer’s experience. Personalized service means that you’re more than just a number to us and you are our partner in business.

Whether you’re just getting started or have been in business for decades Card Systems can offer endless benefits to you and your customer base.

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Clover Mini

Terminal Processing

Our state-of-the-art terminals will securely accept any form of payment.

NFC Pax Forward Facing E800

POS Processing

Our systems let you take payments behind the counter or out on the floor.

Inserting and EMV Card on the Pax

Mobile Processing

CSI mobile solutions let you accept credit card payments on the go.

Finance Options to Help you Grow

80% of your clients put off a project due to cost. Turn more estimates into jobs by offering in-house financing. Obtain funding to complete projects.

Get Paid Faster

Accept payments on the spot with a mobile device. Offer electronic bill presentment & payment to keep the job rolling. Create an automated payment plan.


Give Your Clients Options

Make it easy to approve change orders online or through a mobile device. Deposits can be made on your site after hours.


Customer Finance Options

Increase jobs and your average ticket by offering consumer financing or same-as-cash options.

Data Tools that Keep you Moving

Notify customers of deliveries or job progress with our powerful billing, invoicing, and collections applications.

Manage Field Employees

Create accountability with apps that track location and time. Attach photos and signatures with your change orders.

Credit Processing Solutions that fit your business!

We have the solution to saving money!

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Restaurant Point of Sale

Curb to Kitchen seamless integration that supports online menus, digital menus, pay at the table, and more.

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Retail Point of Sale

Manage inventory, pricing, stock management from web to store, wireless payments and more.

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Commercial Point of Sale

Accept payments on site, on the road, online, B2B, and integrate with all your inventory and analytics tracking.

Learn More about Gift cards

Gift Cards

Increase Ticket Amounts
Build Brand Awareness
Increase Repeat Purchases

Loyalty Cards

Loyalty Reward Programs

Encourage repeat business
Combine with gift cards