Cash discount & surcharging programs
Card processing fees add up fast. With the right program, your business can pay less, or nothing at all.
Three ways to handle processing fees
Traditional
You pay all the fees. Customers pay your posted price, and processing costs come out of your sales. We make sure your rate is as low as possible.
Surcharging
You pay some of the fees. A small fee is added to credit card payments to help cover your costs. Debit cards can’t be surcharged.
Cash discount
You pay no processing fees. Prices include a small service fee, and customers who pay cash get a discount.
What a cash discount looks like
Say you process $30,000 a month in card sales at an average total cost of 3%. That’s about $900 a month, or roughly $10,800 a year, in processing fees. With a cash discount program, the small service fee on card sales covers those costs, so most of that money stays with you.
Example for illustration only. Send us a statement and we’ll show you the real numbers for your business.
Find out what you should be paying
Send us a statement
Email us one recent monthly processing statement. A photo of the paper copy works too.
We review it free
We show you what you’re paying now, and what you could be paying.
You decide
No pressure and no contract. If switching makes sense, we handle the setup and stay with you after.
Common questions
What is a cash discount program?
Your posted prices include a small service fee. Customers who pay with cash get a discount, and customers who pay by card pay the posted price. The fee covers your card processing costs, so you pay little to nothing in processing fees.
What is surcharging?
A small fee is added to credit card transactions to help cover processing costs. Card brand rules apply: surcharges can only be added to credit cards, not debit cards, and there are limits on how much you can charge.
Which option is right for my business?
It depends on your customers, your prices and your industry. We’ll walk you through each option, look at your current statement and show you what each one would save.
Do I need special signs or receipts?
Yes. Surcharging and cash discount programs need clear signage and receipts that show the fee. We’ll help you set that up correctly when we install your equipment.
“Deciding to work with Sonoma Merchant Services was a fantastic decision. Not only have they saved us many thousands of dollars, if I ever need anything I can call Ryan at any time, and he will make me his top priority. I highly recommend their services!”Joel Padilla, OwnerMi Pueblo El Centro, Petaluma
Ready to stop paying processing fees?
Call, text or email Ryan directly for a free quote or a second opinion.
(707) 336-6700ryan@sonomamerchantservices.com