Happy Man Cash Discount Processing

YES!!! I'm tired of paying processing fees. I'm ready to get started with the cash discount processing program.

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Finally, an easy way to do away with expensive credit card processing fees!

Eliminate up to 100% of your credit card processing fees with CashPerks, our Cash Discount Processing Program.

Although the Cash Discount Processing Program is getting a lot of attention and is growing rapidly around the country, it is not new. In fact, our program has been in use by thousands of merchants for over ten years.

You can accept Visa, MasterCard, Discover, and American Express; it's legal in all 50 states; and you get to keep 100% of your sale!

The Cash Discount Processing Program

Saving Money is as easy as 1, 2, 3...

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Enroll in the Cash Discount Program

You do NOTHING - everything is pre-programmed and ready to go.

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Automatic Cash Discounting

At checkout, cash-paying customers get a discount equal to the Service Fee.

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Fees are Automatically Eliminated

We collect the Service Fees and use them to pay your credit card processing bill.

Cash Discount Program

How does a Cash Discount Program work?

You sign up with IntraFirst (on-boarding is quick and easy), then we program and ship your new EMV Chip Card Terminal (free of charge). Your terminal arrives ready to use out of the box and takes less than 5 minutes to set up (it's a simple plug and play set-up).

Next, you simply post a sign (provided by IntraFirst) at the register explaining that all sales carry a 4% fee to help cover the costs of credit card processing. The posted prices are the “Cash Discounted Prices”. If the customer elects to pay by credit or debit card, they will pay the non-discount fee for the products or services in the business. If they pay by cash, they get the 4% discounted back to them. The regular price will be calculated (and the 4% fee automatically added onto the receipt) by the credit card terminal at the time of check out. Your clerks don't have to calculate anything.


Not at all. It's been around for years and is being used by thousands of merchants across the U.S.
As a result of a 2013 lawsuit against the card networks, merchants are now allowed to impose a surcharge in all but a small handful of states. We’ll address the surcharge in the next question below. However, there has always been a stipulation in the Visa and Mastercard regs that allow for a discount when paying with cash.
No, the Cash Discount program, while seemingly similar, is actually very different, particularly in the eyes of Visa and MasterCard. The surcharge is allowed in all but a handful of states (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas, according to the National Conference of State Legislatures). The Cash Discount Program is legal in all 50 states.
You could try, but you'd be setting yourself up for some big legal issues. The rules for setting up the program are very strict and complicated. Doing something the wrong way could give you some very grave consequences. Our Program uses a sophisticated and patented programming that keeps you compliant.
If for any reason you wish to discontinue the Cash Discount Program, we will immediately change you back to traditional Interchange Plus Pricing or our Membership Program (your choice).
Most merchants will see some small fees on their bill as it’s hard to get every transaction to zero out completely based on all the variances in the Interchange billing structure. That said, we typically see the monthly fees drop down below $100 per month, even if previously the fees had been several hundred or even several thousand dollars!
Cash Discount Program Processing has no Fees
  • Free & Compliant EMV Terminal
  • 24/7 Live U.S. based customer service
  • No Long-term Contracts
  • We handle all PCI Compliance Surveys for you
  • Free Lifetime Paper supply (free shipping too)
  • Online Reporting
  • Next Day Funding available
  • No Surprises
  • No Hidden Fees
  • No Set-up Fee
  • No Equipment Rental Fee
  • No Pin-pad Required
  • Traditional, Wireless, or Mobile Terminals available
The Cash Discount Program is most ideal for businesses with low ticket sales (less than $20-$25), since you are passing your merchant processing fees to your customer. If your business doesn’t fall into this category, we invite you to explore our Interchange Plus or Membership Programs.
That's a great question, and the biggest concern from most merchants. According to tons of industry research on this very question, the answer is "not really". Some will of course, but then again, some complain about the color of the floor. Most just take it in as a normal sign of the times. After all, everyone is used to paying fees to use an ATM, to pay bills by computer, or to buy movie tickets online.
Terminal leases often have incredibly high rates relative to the underlying piece of equipment you are “renting.” For instance, it’s not uncommon to see a lease on a desktop terminal for $79 per month for 5 years. The retail price of the hardware is often only $300-400 and the cost of that terminal will be $4740 by the time it’s all paid off! If we can save you $300 or maybe even $3000 per month in processing fees, you are probably better off to continue making the payment and set a calendar event to cancel as soon as possible.
Similar to the previous question on terminal leasing, sometimes cancellation fees can be insultingly high (side note: IntraFirst never has a cancellation fee!). But often you can wait a month after switching before the fee catches up with you, and by then you will have saved significantly on the new program. In the long run you will be far better off to switch and start saving as soon as possible.
We don't charge for your initial terminal. It comes pre-programmed and is plug-and-play. It takes about five minutes to set it up. If you need additional terminals or even mobile terminals, we provide them to you at cost.

Imagine putting as much as 4% directly back onto your bottom line!

There is nothing more simple. If you ever decide that you want to go back to paying for credit card fees, just let us know and we will switch you over to our traditional Interchange Plus or Membership Preferred Processing. Either way, you are enjoying the best rates and customer service in the industry!

Tired of credit card fees

So, how much will the Cash Discount Processing Program actually save me?

Call us Toll Free (833) 357-0001

Note: By regulation, there are currently a few very small fees that sometimes may not be removed from your statement (depending on your customer's card types), they include certain Dues & Assessments - Ex: MALF fee, Acquirer fee, NABU fee and APF fees (on average these fees are about 5 - 10% of your current bill), each situation is unique.