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What is Cash Discounting?

Cash discounting is the act of giving a discount to customers who pay by cash. Cash Discounting is legal in all 50 states - merchants have been using cash discounting for decades.

Cash discounting (as well as non-cash adjustments) allow merchants to give a discount to their customers for paying cash. This has been employed across the country for a long time – think gas stations! They post two prices, a “cash” and “credit” price. This system is nice because you can simply raise prices modestly to “incorporate” credit costs. Then, as the merchant, you don’t change your posted prices when accepting credit cards! Instead, our software automatically applies a “non-cash adjustment” line item to all transactions. When customers pay with cash, that line item is removed, and the customer gets a cash discount. If the customer pays via any other means, they will still incur the non-cash adjustment line-item fee.

Confusing? It can be! But at the end of the day, our job is to make it work. You run a sale, you keep 100% of the funds, or close to it. Cash discounting is a fantastic way to ensure that your profits aren’t eaten up by exorbitant processing fees with a zero-cost processing strategy. There are nuances and regulations you need to be aware of, which is why it is important to work with a trusted provider like AND to set your business up properly.

Let our trained professionals explain the program, and get you saving 90% or more on processing fees!

How much money can you save?

The average small business will save $9,500 annually by switching to the AND zero-cost program. Use our simple comparison tool to see how much you can save you can save with our surcharging and cash discounting programs.

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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