In a business landscape where every dollar counts, reducing operational costs is a priority for merchants. One major expense for most businesses is credit card processing fees. These fees can add up to thousands of dollars per year—an unavoidable cost for businesses that accept card payments. That’s where OpulencePay comes in with a powerful solution: our Cash Discount Program.
What Is a Cash Discount Program?
A cash discount program is a legally compliant way for businesses to offset their credit card processing fees by offering a discount to customers who pay with cash or check, while customers who choose to pay with a credit card pay a small service fee. The practice is different from a surcharge because the discount is offered upfront, and the prices are labeled accordingly.
How Does the OpulencePay Cash Discount Program Work?
OpulencePay’s cash discount program is simple, automated, and fully compliant with federal and state laws.
Here’s how it works::
All listed prices include the cash discount by default.
Customers paying with cash, debit card, or check pay the listed price.
Customers paying with credit cards are charged a small service fee, clearly displayed at checkout.
Our systems automatically calculate the fee and apply it to the transaction.
Merchants keep 100% of the listed price.
This system ensures transparency and eliminates credit card processing fees for the business.
Benefits of Using OpulencePay’s Cash Discount Program
The OpulencePay cash discount solution offers merchants several major advantages:
Eliminate Processing Fees: Keep more of your revenue and reduce monthly costs significantly
Increase Profit Margins: No more subtracting 2.5–4% per transaction—your prices stay whole
Easy Setup: OpulencePay handles compliance, signage, and POS programming
Fully Legal and Transparent: Stay compliant with all card network rules and regulations
Ideal for Many Industries: Works for retail, services, dining, and even healthcare practices.
Compliance and Legal Considerations
One of the most important aspects of implementing a cash discount program is ensuring you remain compliant with card brand rules (Visa, Mastercard, etc.) and state regulations. OpulencePay ensures all signage, pricing disclosures, and transaction processing meet these rules, so your business is always protected.
Who Should Use a Cash Discount Program?
Cash discounting is an excellent fit for:
Small businesses looking to protect their margins
High-volume retail shops
Service providers with fixed pricing
Businesses with thin profit margins
If your customers are comfortable with credit card fees being transparently passed on—or if they frequently pay in cash—you’re a great candidate for this model.
Is This the Same as Surcharging?
No. While similar in appearance, a surcharge program adds a fee to credit card purchases on top of the listed price. In contrast, a cash discount program builds the fee into the price and offers a discount to those paying with non-credit methods. OpulencePay can help you determine which solution works best for your customer base and business model.
Getting Started with OpulencePay
Implementing a cash discount program through OpulencePay is quick and seamless. We provide:
Pre-programmed terminals or POS systems
Training and support for your staff
Signage and messaging for your checkout area
Transparent reporting tools
Full guidance on staying compliant
Final Thoughts: Is It Worth It?
If your business processes a high volume of credit card transactions and you’re tired of watching a chunk of your profits go to processing fees, the answer is yes—OpulencePay’s cash discount program can save you thousands annually.
Ready to eliminate credit card processing fees and keep more of your profits? See how much you can save and grow with OpulencePay
