Cash Discount vs Surcharge: Which Fits Your Business?

If you’re looking to reduce credit card processing costs, two options stand out: cash discount programs and surcharge programs. Here’s a quick breakdown:

Cash Discount Programs

Customers who pay with cash get a discount off the total purchase. Credit card users pay the “normal” price.

Surcharge Programs

Customers paying with credit cards pay a small added fee; cash payments are unaffected.

Which One Is Right for Your Business?

  • Consider customer experience — some clients are sensitive to surcharges.
  • Understand legal requirements — both programs must comply with federal and state regulations.
  • Analyze profit impact — the goal is to lower processing costs without confusing customers.

DL Payments helps Huntington Beach merchants implement the program that maximizes savings while keeping customers happy.

Find Out If You Qualify for a Savings Program