Checkout with POS

Restaurant Point of Sale

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

Checkout with POS

Retail Point of Sale

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

Checkout with POS

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

automotive repair

Automotive

Fleet management, expense cards, and inventory tracking.

business coach

B 2 B

Selling, invoicing, managing and serving businesses.

online and mobile credit card processing

Construction

Tracking, financing, and authorization solutions.

gasoline pump ready for EMV?

Gas Stations

Convenience stores sales, inventory tracking, and curbside sales.

Medical and Dental Office Credit Card in office payment

Healthcare

Invoice online, on site, and by phone. Offer financing.

CSI POS credit card terminal

Hospitality

Reservations, checkout, staffing, and analytics.

mobile credit card processing

Home Repair

On site payments, estimates, and fleet management.

Lawn and landscape credit card

Lawn Service

Collect payment on site instantly, online payment portals, electonic checks.

Shopping Online SS

Online Sales

Merchant accounts, payment gateways, auto-deposit, PCI compliance.

waiter serving

Restaurants

Tab management, pay at the table, online and on site menu management.

clover mini retail credit card e

Retail

Point of Sale systems that integrate with inventory, websites, and more.

CSI branded Clover mobile credit card processing

Salons & Spas

Booking, tip management, electronic checks, online payments.

Surcharge or Cash Discounting

Surcharge or Cash Discounting

What are the differences and the best choice for your business?

Are you considering Surcharging or Cash Discounting?  Accepting credit cards is a necessity in today’s world. However, credit card processing fees are taking a larger chuck out of your profit margin these days, especially with the ever-increasing popularity of rewards cards. Moreover, many of the merchant fees associated with rewards cards tend to increase year after year, due to the escalation of the “Cash Back” incentives the Card Issuers give their cardholders.

Who pays for the majority of these incentives?  You the merchant. More and more merchants are now electing to add a surcharge or implement a cash discount program to combat these rising costs.  This may be a great option for your company if done correctly.  So, what is the difference between surcharging and cash discounting?

Surcharging

  • Surcharge: Adding a small percentage to a credit card transaction to offset the merchant fees for processing the credit card payment. This surcharge is added to offset the processing fees associated with accepting credit cards.  This fee only applies to credit cards and does not apply to other forms of payment such as debit cards, cash, or checks. Surcharging must also be done in a compliant manner and by a processor that follows the rules and ensures their merchants are compliant.
Cash Discounting
  • Cash Discount: A reduction in price for customers who pay with cash or check instead of credit or debit cards. The discount is deducted from the advertised price at the time of sale.  Another method of Cash Discounting is adding a small percentage to increase the price of the sale, known as a Non-Cash Adjustment.
Making this Win-Win Solution

Ask yourself, is this a good move for your business? Will there be pushback from the customers? The solution is simple. Giving your customers an option to pay with a lower-cost alternative is a win-win!  They continue to receive great pricing if they pay with cash or check, and you are able to offset your processing fees.  It is good for both parties when these programs are rolled out correctly with proper signage, employee training, and a good Point of Sale System, which calculates and ensures compliance.

Card Systems understands that every business is unique, which is why we take a consultative approach to find the right solution for your business and card processing needs. Whether you’re just getting started or have been in business for decades, Card Systems can offer endless benefits to help you run your business more efficiently and more profitably.