Payment processing that works for your business.
Give your customers a clear choice, and lower the cost of accepting card payments, with a compliant cash discounting and dual pricing program.
Program
Cash discounting & dual pricing
Coverage
Availability varies by state
Support
Onboarding & staff training
Transaction pipeline
Live payment path
- Customer
- POS
- Payment Network
- Processor
- Merchant
AUTH CODE
0X41F9
CARD MIX
96% credit
SETTLEMENT
T+1
REPORTING
Real time
This is a sample view of how a card payment moves through the system. Values shown are examples.
Built for operators
Built for businesses that take payments every day.
- Restaurants
- Retail
- Automotive
- Healthcare
- Professional Services
- Beauty & Wellness
- Hospitality
- Home Services
Every card sale costs you money... And it adds up. Fast.
Traditional payment processing quietly takes a percentage from every card sale. If you process a lot of volume, those small percentages add up to a lot of money each year.
The more you sell, the more you pay in fees.
Rates change by card type, so the same sale can cost more or less.
Flat per-item fees hit small sales the hardest.
Illustrative breakdown
- 01InterchangePaid to the card-issuing bank−2.05
- 02Network feesCard network assessments−0.29
- 03Processor feesMarkup and per-item pricing−0.51
- 04Other costsStatement, batch and service items−0.15
These amounts are examples. Real costs vary by card type, how you accept payment, your business type, and processor pricing.
Cash discounting compared to traditional pricing.
Same $100 sale. Different costs, and a different experience for the customer.
Cash Discounting
ProgramThe customer sees both prices before checkout and picks the payment method they want. The cost of accepting cards is shown up front instead of hidden.
- Customer choice
- Cash or card
- Cost visibility
- Disclosed
Traditional Pricing
BaselineThe cost of accepting cards is built into the posted price and taken out after the sale. The customer never sees it. The merchant always pays it.
- Customer choice
- None presented
- Cost visibility
- Embedded
Amounts shown are examples. Actual pricing, what structures are allowed, and what disclosures you need depend on the law, card network rules, processor requirements, and how your program is set up.
See How It WorksWhat could your business save?
Adjust the numbers below to compare your current costs with a sample program.
Inputs
≈ 1,846 card transactions per month
Total monthly processing cost ÷ total monthly card volume.
Residual cost retained by the merchant under a program structure.
Illustrative output
Estimated annual savings
$36,720
≈ 85% reduction in modeled acceptance cost
- Monthly processing cost
- $3,600
- Annual processing cost
- $43,200
- Estimated program cost / mo
- $540
- Estimated monthly savings
- $3,060
These are estimates only. Your actual results depend on your processing volume, interchange, card mix, processor fees, pricing and program setup.
From reviewing your statement to going live.
We follow clear steps, not just a hardware drop-off. Each step gives you documentation to keep.
- 01
Analyze
We review your current processing setup, statements, card mix, and effective rate.
- 02
Design
We build a pricing structure that fits your business, channels, and locations.
- 03
Deploy
We set up your payment devices, signage, and staff materials for the program.
- 04
Optimize
We track performance and make adjustments as your business grows.
One place to see all your payments.
See daily volume, deposits, card mix, costs, and program performance, all without exporting a statement.
Today's volume
$0
+8.2% wk
Transactions
0
+4.1% wk
Average ticket
$0.00
+1.3% wk
Est. processing cost
$0.00
-62% wk
Estimated savings
$0.00
Transaction volume · 7 days
Payment method mix
- Credit58%
- Debit24%
- Cash13%
- Other5%
Recent transactions
| Transaction | Time | Method | Pricing | Amount | Status |
|---|---|---|---|---|---|
| TXN-9F41A2C | 18:42 | Visa ···4412 | Card price | $84.20 | Settled |
| TXN-9F41A1B | 18:29 | Cash | Cash price | $41.00 | Closed |
| TXN-9F41A0K | 18:11 | Mastercard ···8890 | Card price | $128.75 | Settled |
| TXN-9F419ZP | 17:56 | Amex ···3001 | Card price | $62.40 | Batched |
| TXN-9F419YD | 17:38 | Debit ···2214 | Card price | $27.90 | Settled |
A sample view of the merchant portal.
Set up to match how your business sells.
Ticket size, card mix, and sales channels all change the math. We design the program around your business, not a one-size-fits-all template.
Built around transparency.
A cash discounting program works best when customers understand it and the setup matches what you told them.
Clear pricing for customers
Cash and card prices are shown before the customer commits to paying.
Proper disclosures
We review your signage, menus, receipts, and checkout wording as part of setup.
Program setup
We configure your devices, POS items, and receipts to match your documented program.
Payment network rules
Program design follows the applicable card network rules and processor requirements.
Staff training
We provide simple materials and scripts so your staff can explain the program the same way every time.
Ongoing support
We check in as your locations, channels, and hardware change.
Requirements vary by state, card network, processor, and how your business is set up. CardSaver does not provide legal advice and does not claim any certification or regulatory approval.
Explore ComplianceYour payments should work for you. Not against you.
See what a smarter payment strategy could look like for your business.
No obligation · Estimates are examples only