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Encouraging debit, ACH, and cash

One of the easiest ways to reduce your payment processing fees is to discourage the use of credit cards. Ask for debit, cash, or ACH payments from your customers!

Credit card processing fees can cost a lot! It’s always good to know your options, and even better when those options can save you money. The easiest way to reduce your credit card processing fees is to check out zero-processing. You can cut fees by over 95%! But if that's not a program for your business, processing debit cards, ACH payments and cash all are cheaper and better for your bottom line than processing credit cards. When possible, encouraging your customers to use these payment methods can save you a lot of money in processing fees. The most important word is encourage - there are some guidelines to card acceptance that may prohibit how you go about discouraging credit cards. IF you accept Visa for example, you have to accept all Visa cards - not just the cheaper ones you prefer.


Encouraging your customers to use other payment methods could come from store signage, incentive based discounting or promotional offers. The idea is keeping your costs low, and letting your customers know how they can help out.

Learn about ACH payment processing here. Fees can be as low as just 50¢ per transaction, plus a small static monthly fee. If you take many card-not-present payments, particularly from B2B vendors, ACH payments are a great tool.

Encouraging PIN-debit is another way to keep your costs low - read about how credit/debit differ here

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

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