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.
24-Hour Application Approval
EMV Enables Credit Card Machines
Point to Point (P2PE) Encryption
Simple Straightforward Pricing
Complimentary Access to the merchant center
No Hidden Fees. Simple. Straightforward.
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)
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.
No Swiped Fees
You could save hundreds and even $1,000’s of in processing fees each by using this Cash Discount program.
EMV & Debit Compliant
Point of sale equipment and stand alone retail terminals make it possible to accept EMV chip cards.
No Rate Increases
The program is structured in a way that the fees are fixed and automatically assessed at the time of purchased.
Personal Support
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:
A Free Credit Card Terminal
EMV (Chip Card) Enabled Terminal
Real Time Transaction Reporting
Chargeback Management
Track Daily Volume
Card-not-present gateway
Secure Customer Profiles for Billing
Track Volume w/ Daily Reports
Multi-User Virtual Terminal Access
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
Restaurant EMV Tip Adjust
On-Screen "Call Me" Customer Service Button
Contactless Credit Card Reader
EMV (Chip Card) Enabled
Real Time Transaction Reporting
Built In Loyalty Program (no cards needed)
Electronic Receipts Through SMS (text) or Email with GOGreen
Track Daily Volume
Company Logo Displayed On Screen
Equipment Option #2: Mynt POS Station
Super Fast Checkout & Split Checks
Built-In Inventory Tracking
EMV (Chip Card) Enabled
Custom Modifies and Color Coded Products
Custom Table Layout & Pricing by Area
Remote Printing with Custom Logo Printing
Reporting - Built-In Graphing & End Of Day Reports by User
Auto Generate Purchase Orders with Backoffice Functions
Easily Create Discounts by Percentage or Dollar Amount
Real Time Transaction Reporting with Custom Payment Types
Frequently Asked Questions
What is a cash discount program?
How is the fee charged?
How does the program work?
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)
Is it legal to have a surcharge on credit card purchases?
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.