Pay 0.00% to process credit cards with a

Cash Discount Merchant Account Program

This payment system gives you access to a fully compliant, zero-fee merchant account so your monthly processing fees cost you nothing!

Pay 0.00% for your Company to Accept Credit and Debit Cards

Eliminate all merchant account processing fees by taking advantage of a compliant cash discount program. Accept all major credit cards and increase your revenue at your business. Process payments online, in your store or retail location, through a virtual terminal, via invoicing, or on a mobile device without the high credit card fees.

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24-Hour Application Approval

So you can start accepting payments with this cash discount program as soon as possible
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EMV Enables Credit Card Machines

So you can accept smart chip credit cards from your customers
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Point to Point (P2PE) Encryption

So every transaction is safe and secure and your customer’s data is never compromised
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Simple Straightforward Pricing

Enabling you to achieve zero percentage rates because all fees and costs are passed along to the consumer. (detailed pricing listed on this page under the pricing section)
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Complimentary Access to the merchant center

Reporting system which allows you to view statements, batch reports and transactions in real time

No Hidden Fees. Simple. Straightforward.

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Zero Cost to Your Business

Zero cost allows you to collect the full amount of the transaction in question. (4% fee is passed along to your customer)

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Fully Compliant Solution

This ensures that you’re processing the right way. This solution is available in all 50 states so you’re legally protected.

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No Swiped Fees

You could save hundreds and even $1,000’s of in processing fees each by using this Cash Discount program.

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EMV & Debit Compliant

Point of sale equipment and stand alone retail terminals make it possible to accept EMV chip cards.

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No Rate Increases

The program is structured in a way that the fees are fixed and automatically assessed at the time of purchased.

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Personal Support

You could save hundreds and even $1,000’s of in processing fees each by using this Cash Discount program.

Get Started Today with a Cash Discount Merchant Account Program

Is it really zero fees? How can this be possible?

Yes, it’s really $0.00 fees and it’s possible because of the ruling by federal courts that has allowed business owners to combat high credit card processing fees through the use of cash discount programs. The Frank-Dodd Act and the Durbin Amendment states that all business owners now have the right to offset credit card processing fees with either a surcharge or a cash discount program.

Note: There is a very fine line between the 2 programs (cash discount vs. surcharge programs) and some providers offering surcharging programs are not compliant. Ours, of course, is 100% compliant, legal, and acceptable according to the guidelines set forth by Visa/Mastercard and the card brands.

With our cash discount merchant account program, we invite you to have a free consultation prior to signing up so that you’re clear on all the details of the program. If you’d like to learn more about whether a surcharge program is right for you, just click here to schedule a call with one of our team members to go over all the details with you before you commit to anything!

Here’s How The Program Works

First, the cash discount program eliminates the percentage rates and transaction fees from every credit or debit card purchase you accept from your customer. The fee is passed on to the customer who voluntarily accepts the transaction and fee at the point of sale.

To get started, with this compliant cash discount merchant account program, you just need to fill out the pre-application on this page and you’ll be contacted by a BancardSales team lead to go over all the details with you. Then, get ready for your monthly merchant account fees to instantly drop to nearly ZERO dollars per month.

With the program, you’ll get access to all of the following features functions:

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A Free Credit Card Terminal

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EMV (Chip Card) Enabled Terminal

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Real Time Transaction Reporting

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Chargeback Management

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Track Daily Volume

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Card-not-present gateway

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Secure Customer Profiles for Billing

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Track Volume w/ Daily Reports

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Multi-User Virtual Terminal Access

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Contactless Credit Card Reader

Here’s Your Equipment Options

The cash discount program gives you options to choose from. As listed below, you’ll get to choose between a Dejavoo Z8 countertop credit card terminal or the Mynt Station POS system for your retail business.

Equipment Option #1: Free Dejavoo Z8

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Restaurant EMV Tip Adjust

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On-Screen "Call Me" Customer Service Button

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Contactless Credit Card Reader

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EMV (Chip Card) Enabled

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Real Time Transaction Reporting

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Built In Loyalty Program (no cards needed)

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Electronic Receipts Through SMS (text) or Email with GOGreen

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Track Daily Volume

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Company Logo Displayed On Screen

FREE Dejavoo Z8

Equipment Option #2: Mynt POS Station

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Super Fast Checkout & Split Checks

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Built-In Inventory Tracking

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EMV (Chip Card) Enabled

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Custom Modifies and Color Coded Products

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Custom Table Layout & Pricing by Area

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Remote Printing with Custom Logo Printing

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Reporting - Built-In Graphing & End Of Day Reports by User

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Auto Generate Purchase Orders with Backoffice Functions

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Easily Create Discounts by Percentage or Dollar Amount

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Real Time Transaction Reporting with Custom Payment Types

Mynt POS Station

Frequently Asked Questions

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What is a cash discount program?

It’s a special type of merchant account that allows for a businesses to pass the cost of credit and debit card acceptance on to their customers.
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How is the fee charged?

The special point of sale equipment does all the work for you. The customer service fee is automatically charged at the point fo sale so you don’t need to any manual work!
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How does the program work?

When the purchase takes place, a small customer service fee is applied to all transactions. If the customer pays with cash, this fee is removed.
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What types of businesses can participate in cash discount?

Nearly any type of business can offer a cash discount program as long as approval is granted. (approval is required for all accounts)

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Is it legal to have a surcharge on credit card purchases?

Surcharging programs are very different than cash discount programs. Cash discount programs are easier and generally more compliant than surcharging programs.
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Is it allowed in all 50 states?

YES! Cash discount is federally legal and allowed in all 50 states. (cash discount programs are a different program than surcharging which does have some limitations)

Cash Discount Program Application

After completing this application form, you will be contacted to confirm all information to be accurate.

Fill out my online form.