399 NW 2nd Ave, Ste. 150

Boca Raton, FL 33432

Same Day & Next Day Funding

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We Can Help You

Reduce your cost of card acceptance with our Cash Discount Program so you can free up resources to help nurture and grow your business. It’s simple to implement and offers many benefits to you and your business. Read on to learn more about our Cash Discount Program and get started today.

Decrease Your Operating Costs

Cover up to 100% of your processing fees.

Free Up Resources for Your Business

Virtually eliminate one of your largest business expenses, use that cash to invest in your business.

Work with the Latest Terminals

We offer state of the art EMV terminals with all of the appropriate programming to allow you to offer Cash Discounts.

How to Get Set Up with Cash Discounting

It’s Simple—Follow These 3 Easy Steps


We will update your processing agreement (or sign a new one for you).


Your terminal needs to be updated to print an additional line item on credit and debit card receipts to add the additional fee to all purchases.


Use our ready-to-print signs at your point of entry and point of sale.

Cash Discounting FAQs

How does Cash Discounting Work?

Q: How does Cash Discounting work?

A: This program is a way for merchants to offset most of the cost of their processing fees. Merchants implement a service fee that applies to all products, and then give a discount to customers who choose to pay with cash. Customers who pay with cash will avoid the additional fees and all others will see a line item added to their receipt. To start using Cash Discount, merchants must post signage alerting customers about the fee applied to all items, and also update their terminal application to add the appropriate fee to transactions. The EPS Process Right program makes this easy!

Q: Is this program legal?

A: Yes, cash discounting is legal in all 50 states. The Dodd-Frank act prohibits payment card networks “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards.”*

*source: https://www.ftc.gov/tips-advice/business-center/guidance/new-rules-electronic-payments-lower-costs-retailers accessed September, 2017

Q: I’ve never heard of this practice before, is it new?

A: No, businesses have been offering discounts for those who pay with cash for years. In the United States, a lower posted price for cash is very common at gas and service stations across the country.

Q: Is this like a surcharge?

A: No, offering a discount to customers who choose to pay with cash is a completely different situation than surcharging when it comes to the card brands’ regulations. While surcharging is allowed under certain parameters laid out by the card associations, business owners are able to price their products and offer discounts on those products at will. Cash discounting is the business owner exercising that freedom. Surcharging is adding a charge only for customers who use a credit card, and is not currently allowed in ten states.

Q: Will this program completely eliminate my monthly processing bill?

A: Almost. Some merchants will still see some small fees on their bills due to the variations in Interchange prices, but most will see a drastic (95-100%) reduction in their processing bill. EPS Process Right will set up your bill on a daily discount structure, meaning we will take your fees out every day instead of a lump sum at the end of the month. Your monthly statement will show a near-zero cost of processing with the money for the goods and services you sold showing up in your deposit. You will also have a small monthly subscription fee to cover your participation in the program.

Q: How do I decide between a flat, per transaction fee and a percentage?

A: EPS Process Right will set that up for you based on your average ticket size. For those businesses with an average ticket below $15, we recommend a flat dollar amount, per transaction fee. For those with a larger than $15 average ticket, 3.99% works best. This process ensures that as much of your processing costs as possible are covered.

Q: Will my customers be upset with this fee and go elsewhere? Won’t I lose business?

A: Not according to other business owners’ experiences. As cash use declines, the hassle of going to an ATM and paying those fees (sometimes north of 5%) is not worth paying a little extra to use a card. 4% (or a small flat fee) on an individual transaction has a small impact to the consumer, but a very significant impact on your cost of doing business. If you explain the cash discount program is a way for you to keep providing quality goods and services without increasing all of your prices, consumers have shown they are willing to keep shopping with you.

Why Choose Us

You will always receive one-on-one service with our experienced experts to deliver turnkey solutions for all your processing needs. We offer the personal service you deserve with same day and next day funding.

Using the latest technology, we offer merchant services that are convenient, cost efficient, and time saving. We offer consulting to ensure you are compliant with current regulations.

We understand that your business is as unique as you are. We also know that you deserve service customized to your company’s needs. Our goal is to offer flexible packages suited to your specific business.

As your partner, we gain your trust through sharing knowledge and clearly explaining our business practices. We outline all our competitive and transparent pricing practices, using minimal surcharges.

We are dedicated to making sure your company receives the most efficient and cost-effective services. Whether you need new kitchen equipment or a new way to bill your own clients, we will share our tools to help you reach success.


What Our Clients Say

Merchants We Have Helped

Reach Out to Us

Request a Free Consultation

No matter what your needs, we can help. Send us an email and we’ll get in touch shortly, or phone between 9:00 am and 5:00 pm Monday to Friday.


  • Address : 399 NW 2nd Ave, Suite 150, Boca Raton, FL 33432
  • Phone : (866) 998-3441
  • Email : sales@epsservices.com

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