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Pricing options

Cash Discount 

The benefits of implementing a cash discount program with credit card processing include:


1. Cost Savings: One of the primary advantages is cost savings. With a cash discount program, you can pass on the cost of credit card processing to customers who choose to pay with credit or debit cards. This means you don't have to absorb credit card processing fees, which can add up over time and affect your bottom line.


2. Increased Profit Margins: By shifting the cost of credit card processing to customers, you can maintain higher profit margins on your products or services. This can be especially beneficial for businesses with tight profit margins or high transaction volumes.


3. Transparency: Cash discount programs are transparent in their approach. Customers are informed about the additional cost for using credit cards, promoting transparency in your pricing strategy. This transparency can lead to better customer trust and understanding.


4. Cash Flow Improvement: Since you're not paying credit card processing fees, your cash flow can improve. You'll receive the full transaction amount without deductions, allowing you to manage your finances more effectively.


5. Competitive Pricing: Offering lower prices for cash payments can attract cost-conscious customers who prefer to pay with cash. This can help you remain competitive in your market.


6. Simplicity: Implementing a cash discount program is relatively straightforward. It doesn't require complex pricing structures or calculations, making it easy for businesses to adopt.


7. Compliance with Payment Network Rules: It's important to note that cash discount programs should comply with the rules and regulations of credit card payment networks (e.g., Visa, MasterCard). When properly implemented, they can be a legal and ethical way to pass on processing fees to customers.


It's worth mentioning that the effectiveness of a cash discount program can vary depending on the type of business and its customer base. Some customers may appreciate the option to pay with cash and enjoy the associated discount, while others may still prefer the convenience of using credit cards. Therefore, it's essential to assess your specific business needs and customer preferences before implementing such a program. Additionally, it's advisable to consult with a financial or legal expert to ensure compliance with all applicable laws and regulations.

 Interchange Plus 

​1. Transparency: Interchange Plus pricing is considered more transparent compared to other pricing models like tiered or bundled pricing. Merchants can see exactly how much they're paying in interchange fees and how much is being charged as a markup by the MSP.

2. Cost Control: Merchants have more control over their costs because they can see the interchange fees separately from the MSP's markup. This makes it easier to understand the true cost of card processing and compare offers from different providers.

3. Fair Pricing: Since interchange fees are standardized and non-negotiable, merchants are less likely to be overcharged for these fees. The MSP's markup is where providers can compete for merchants' business, potentially leading to more competitive rates.

4. Flexibility: Interchange Plus pricing allows for flexibility in pricing structures. Merchants can negotiate the markup with their MSP based on their transaction volume and specific business needs.

5. Scalability: As your business grows, Interchange Plus pricing can be more adaptable to changes in your transaction volume and processing requirements.

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