(844) 644 - CASH (2274)
The Clover Flex credit card machine

Save up to 90% on your Credit Card Processing fees

No Transaction Fees, no Batch Fees, no Interchange Fees. Flat-fee processing for ALL Businesses

More Information

Easy to understand for Customers

A patented technology that allows merchants to offset their credit card processing costs by applying a small customer service charge to each sale they make. If a payment is made with cash, a discount equaling the customer service fee is automatically applied to the sale. The Cash Discount Plan software automatically determines service fees and discount amounts based on payment type. It’s simple, transparent and sounds easy because it is.

To recap:

  • A small customer service fee is assessed on all customer transactions
  • The fee is eliminated if the customer pays with cash or gift card
  • All services fees collected go towards that month's processing fees
A sample receipt

State Regulations

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the Cash Discount Plan meet the standard regulations set forth by all major card service providers, state law and federal law.

As stated in the Durbin Amendment (part of the 2010 Dodd-Frank law), businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit cards including either checks or cash in order to automatically receive a discount which is applied at the time of sale.

Frequently Asked Questions

Question: "I have never heard of this before, is it new?"

Answer: It's actually not new, gas stations have been doing this for a long time. I'm sure you've seen convenience stores do the same.

Question: "I heard it was illegal to charge a fee."

Answer: This is a "Cash Discount Plan," not a surcharge or convenience fee. It is legal in all 50 States.

Question: "Do I have to calculate this charge?"

Answer: No, the terminal and software do it automatically for you.

Question: "Do I need to tell my customer up front that they will be charged?"

Answer: Not necessarily, just post the sign that you are a "Cash Discount store" and have the Standard Fee schedule available if you need to refer to it.

Question: "Will my customer be charged 2 separate transactions, one for their purchase and the other for the fee?"

Answer: No, it is all combined into ONE transaction for them. The receipt will have a separate line item for the non-cash discount standard adjustment. Their credit card statement will have just the total charge and not the line items.

Question: "Do I have to purchase the equipment or are there other options?"

Answer: No, a terminal is included in your flat fee Licensing program. Should you need more than one terminal, there are other options available. There are licensing fees for each MID and per Terminal.

Question: "Can this program be integrated into my POS or my Online processing?"

Answer: We have several integrations into many POS systems and hundreds of shopping carts as well. We'd be happy to discuss all of those options with you.

Question: "Are there others in my type of business using this service now?"

Answer: Yes there are!

Question: "How long will it take to get started?"

Answer: The application and approval process will take 48 hours and we can have the terminal sent to your location within three (3) days of approval. Next day shipping is an option at an additional cost. Average time from Application to terminal is 7-10 days.