01Not legal or tax advice
The educational content on this site describes how cash discounting and dual pricing programs generally work. It is not legal, tax, or accounting advice. Talk to qualified counsel and your tax advisor before you adopt any pricing program.
02Program design and compliance
Cash discounting and dual pricing programs must follow card network rules, state law, and applicable consumer protection requirements. Cash discounting, dual pricing, and surcharging each have different rules, and those rules change over time.
- You must disclose pricing clearly before the customer completes the transaction
- Receipts must reflect the amounts actually charged
- You must post and maintain required signage at the point of sale
- You must review your program setup and disclosures as rules and state law change
03Merchant responsibility
You're responsible for compliance at your locations, including posted signage, staff practices, receipt output, and how you present prices to customers. We provide setup help, signage guidance, staff training materials, and monitoring support, but we can't take on your legal obligations.
04Savings estimates
Estimates from the calculator or a pricing analysis are models, not quotes or guarantees. Small changes in the inputs, or factors outside our control, can change the results a lot.
- Your card versus cash mix, and how it shifts after launch
- Average ticket size and monthly card volume
- Interchange and network assessments, which we don't set
- Program setup, equipment, and processor pricing
- Customer behavior and local competition
05Eligibility and underwriting
Merchant services need approval from a sponsoring bank and processor. Some industries, business models, and risk profiles don't qualify. What's available can vary by state and by processor.
06Processor and bank relationships
CardSaver works with sponsoring banks, processors, gateways, and hardware vendors to deliver merchant services. Your merchant agreement with the sponsoring bank and processor governs payment processing. Card network names and third-party marks on this site belong to their owners and don't mean they endorse us.
07Demonstration data
Portal previews, statements, dashboards, charts, merchant names, and transaction records on this site are demo data made for illustration. They don't represent any real merchant, transaction, cardholder, or portfolio, and no real cardholder data appears on this site.
08Questions
If anything in this document needs clarifying, contact support@cardsaver.io. For program-specific questions before you sign, contact sales@cardsaver.io.