Compliant Cash Discount & Credit Card Surcharge Program

Ready to Save on Processing Fees?

At eDataPay—an ISO/MSP USA —we help merchants implement a fully compliant cash discount program or credit card surcharge solution to reduce processing costs, stay audit‑ready, and boost profitability.

Long‑tail keywords: compliant cash discount program, credit card surcharge compliance, merchant surcharge solution

1. Choose Your Fee Program

A. Cash Discount Program

• What it is: An immediate discount off the posted (card) price for customers paying with cash, debit, or PIN‑based methods.

• How it works:

  1. Shelf Price = Card Price for all transactions.

  2. At checkout, cash‑paying customers see a “Cash Discount” line item.

  3. No fees are added to card transactions—only a markdown on cash payments.

• Compliance & Resources:

  • Follows U.S. Bank’s Enterprise Payment Processing guidelines for cash discounting

  • Visa® Cash Discounting Rules

  • Mastercard® Cash Discounting Guidelines

B. Credit Card Surcharge Solution

• What it is: A fee added only to credit‑card transactions to offset acceptance costs.

• How it works:

  1. Shelf Price stays the same for all customers.

  2. At checkout, credit‑card customers see a “Surcharge” line item (max 3%; 2% in CO).

  3. Debit and prepaid cards are automatically exempt.

• Compliance & Resources:

  • 30‑day notice required to Visa® & Mastercard® before launch

  • Prohibited in CT, ME, MA

  • Visa® Surcharging Rules

  • Mastercard® Surcharging Requirements

Note: You may run only one program per location. Mixing both or mislabeling a surcharge as a “cash discount” is non‑compliant and may trigger brand fines.

2. Why eDataPay?

• eData Team Backed Compliance
  We adhere to the Bank’s rigorous surcharge and discounting policies—keeping you ready for card‑brand audits.

• Free or Discounted POS Hardware
  Get EMV‑ready terminals at no cost or deeply discounted rates—so you can start your cash discount compliance solution or surcharge program immediately.

• E‑Commerce & Amazon Store Integration
  Launch a cash vs. card dual‑pricing e‑commerce checkout or branded Amazon store in minutes—expanding your sales channels and boosting online revenue.

• Exclusive Marketing Bonuses

  • Custom, conversion‑optimized landing pages for your promotions

  • Google My Business media setup & management to drive local traffic

• Branded Merchant Education
  Receive our PDF guides, on‑demand webinars, and one‑on‑one compliance reviews to train your team and educate your customers.

3. Merchant Benefits & Success Stories

• Save Up to 100% on Fees – Merchants typically recoup 1.5–3% of every card transaction.

• Zero Up‑Front Cost – Start with no‑fee hardware and training.

• Increase Foot Traffic – Advertise “Cash Discount Available” to attract bargain‑seeking shoppers.

• Case Study: Joe’s Café cut processing fees by $12K/year after switching to our compliant surcharge solution—without any hidden charges or penalties.

“Switching to eDataPay’s cash discount program was seamless. Their U.S. Bank compliance expertise gave us total peace of mind.” — Sarah M., Retail Boutique

4. Frequently Asked Questions

Q1: Is a surcharge the same as a cash discount?
A: No. A surcharge is added to card transactions; a cash discount is subtracted from the card price when paying cash. Running both simultaneously is prohibited.

Q2: How do I notify Visa® and Mastercard® of my surcharge program?
A: We handle your 30‑day brand notification process as part of our surcharge setup—no extra work for you.

Q3: Will my POS system support dual‑pricing?
A: Yes. We provide free or discounted POS terminals pre‑configured for your chosen program and integrate with most major POS platforms.

Q4: What signage and disclosures are required?
A: Entry/checkout signage, receipt line items, and website footers. We give you print‑ready templates and digital assets.

Q5: Can my customers still pay by debit card?
A: Yes. Debit and prepaid cards are exempt from surcharges, and cash discounts apply only to cash or PIN‑based payments.

5. Ready to Switch to eDataPay?

1. Download Our Merchant Education Guide (PDF)

2. Request Your Free POS Quote — No‑obligation hardware proposal.

3. Schedule a Compliance Consultation — We’ll handle brand notifications, signage design, and staff training.

📞 **Call Us:** 1 888 395-9554

✉️ **Email:** info@edatapay.com

**Contact us: https://edatapay.com/contact

Bonus: Sign up today for our Free Google My Business Media Package and receive a branded merchant PDF kit to educate your customers on compliant fee programs.

Ready to see how eDataPay can transform your business?

Let’s talk.

Call  (888) 395-9554 or  (561) 395-9554

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