Looking for a cash discount program? It has a better name now.
What merchants call a cash discount is run today as dual pricing: your cash price and card price posted side by side, the customer picks, and you keep 100% of every sale. Same outcome you searched for, done the way the card brands accept.
Get a free rate analysisHow this actually works
A quick history, because the terms get confusing. The original cash discount idea was simple: post one price, then give cash payers a discount off it. Over time, a lot of providers flipped that into its opposite, posting one price and adding a fee for cards at the register. Customers hated the surprise, and the card brands started flagging programs set up that way.
Dual pricing is the cleaned-up version of the same goal. Instead of one price plus a surprise, every item shows two honest prices before the sale: cash and card. The customer chooses with full information, the terminal applies the right price automatically, and the receipt matches what was posted. The outcome you wanted from a cash discount, eliminating the card fee from your side of the ledger, is exactly what you get.
If you already run a cash discount program, this page matters double. A setup that adds a percentage at the register instead of posting two prices can get flagged, and the fix costs nothing: we reconfigure it as true dual pricing, keep your savings identical, and bring the signage and receipts up to standard.
Same savings, cleaner setup
Illustrative at a typical effective rate. A small monthly program cost remains; the percentage-of-every-sale is what goes away. Your free analysis uses your actual statement.
Getting set up
We review what you have
If you're already on a cash discount program, we check the setup. A lot of them are configured in ways the card brands flag.
We move you to dual pricing
Both prices posted up front. Customers see it before they order, not on the receipt.
You keep the outcome
The fee comes off your statement either way. That part doesn't change.
If you found this page searching for a cash discount, you want the right thing: stop eating card fees. Our job is making sure you get it the durable way. Two posted prices, compliant signage, correct receipts. Same savings, zero flags, and we do the conversion free.
- Owners who heard about cash discount from another merchant
- Businesses already running a cash discount that want it set up correctly
- Restaurants, retail and service businesses processing $20K+ per month
The three models, side by side
NWPB offers three ways to handle card fees. The free analysis tells you which one wins with your real numbers.
Dual pricing
Cash price and card price posted side by side. The customer picks, you keep 100%.
Best when most sales happen at a counter or table and you want fees gone entirely.
Surcharging
The card cost is added to credit card transactions only, with disclosure and caps.
Best when most of your volume is credit cards, like B2B and professional services.
Interchange plus
You absorb the fees, but pay true wholesale cost plus one small visible markup.
Best when you prefer one posted price and want the lowest possible absorbed cost.
Fair questions
Is cash discount the same as dual pricing?
The goal is identical: card fees stop being yours. Dual pricing is the version where both prices are posted before the sale, which is what the card brands accept and what we install.
I already run a cash discount. Why change anything?
If it's set up as a fee added at the register instead of two posted prices, it can get flagged, and some processors quietly charge you for the risk. We fix the structure without changing your savings.
Will my regulars notice a difference?
They'll see two posted prices instead of a register-time adjustment. In practice that lands better, because nobody feels ambushed by the receipt.
What does switching cost?
Nothing. Free terminal, free signage, free setup, no long contract.
Do my prices have to go up?
Your cash price stays your price. The card price covers the card cost. Customers choose.
Is this allowed in Washington?
Yes. Posting two prices before the sale is exactly the structure that works everywhere, and we handle the disclosure details so you never think about them.
How long does the conversion take?
Usually under a week, including new signage and a staff walkthrough. Most of it happens without interrupting your business day.