Credit Card Processing2023-09-26T14:23:19-04:00

Keep your money. Stop paying processing fees. Learn about The Cash Discount Program

During these challenging times, every cent can make a difference for your business. Our goal at Big Think Capital is to empower small businesses to take control of their credit card processing and save money on all those fees that can add up. That’s why our Cash Discount Program is designed to eliminate 100% of your processing fees.

Big Think Capital BBB A+ Rating
Certified Small Business Financial Professionals


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Processing fees Eliminated


Customer Service


Time it takes to get started

15 minutes

Accepted in

50 States

What is a Cash Discount Program?

A cash discount program is a type of credit card processing that passes the cost of acceptance back to customers who choose to pay with a credit card or debit card. Cash discount merchant services allow business owners to continue to accept all major credit cards, but without the loss of 3-4% in fees.

Cash discounting works by giving a discount to all customers who choose to pay with cash instead of a credit card or debit card. Customers who choose to pay with a credit card will pay the marked amount because the processing cost is built into the cost of the product. This allows the business owner to get the full payment from the customer and not incur any credit card processing fees.

Cash discount

  • Promote discount
  • Customer covers processing fees
  • Flat fee, unlimited processing
  • Automated terminals
  • No annual fees of price increases

Ready to Apply?

Ready to Apply?

Submit your application in just a few minutes.

Benefits of the Cash Discount Program

All of your processing fees are gone forever.

You never have to pay a processing fee again.

It’s easy to switch.

You receive the signs for the store as required by law and the terminal is a breeze to setup.

Tips are excluded from the non-cash adjustment.

If your business accepts tips, there is no additional charge on tip price to the customer or the business owner.

Your customers don’t have to pay processing fees unless they want to.

If they decide the rewards on their card outweighs the cost of acceptance, they will pay with a card. If they want the cheapest price possible, paying with cash gives them what they want.

No Hidden Fees. 

You won’t find any surprising line items on your statement that hide fees you shouldn’t be paying. Your statement will read $0 at the end of every month while you accept every type of major card brand as payment for your business.

Free Point of Sale Payment systems are available.

Based on your monthly processing volume and business type, we have free point of sale systems for your business that work with the cash discount program.

You’ll never need to switch processors again.

When you pay nothing for your merchant services account, it can be the account you use for the life of your business. Imagine being able to tell credit and debit card salespeople that your cash discount merchant account costs you $0 every month. You’ll never have to argue with another credit card salesperson again.

Free Terminals are available.

Based on your monthly processing volume, free terminals are available for your business designed to work with the true cash discount program.

Cash purchases are fantastic for fraud prevention.

As most people carry cash, paying by cash means that you can test any bills right at the point of sale for fraud, and be certain that you’re getting paid for each and every transaction. By maintaining PCI compliance rules, you’ll be safe from fraud.

Credit Card Processing FAQs

Is It Legal To Offer A Cash Discount?2023-09-25T13:06:08-04:00

One of the most frequent questions we get is “Is cash discount legal?” 100% yes, our credit card cash discount program is legal, utilizing a cash discount at the point of sale is completely legal in all 50 states. A cash discount can easily be confused with a credit card fee or surcharge, which is legal in only 40 of the 50 United States. (Surcharging is illegal in Texas, Oklahoma, New York, Massachusetts, Maine, Kansas, Florida, Connecticut, Colorado and California.)


Cash Discount vs. Surcharge2023-09-25T13:05:46-04:00

A cash discount is when you post credit card prices and offer a discount on that price for customers who pay with cash.

A surcharge is when you post cash prices and charge an additional fee on top of that price for customers who pay with a card.

Is there a specific industry that this program works best in?2023-09-25T13:05:23-04:00

The Cash Discount program is a simple and flexible program that operates well across all industries and is legal in all 50 states. Operating on a Cash Discount program can especially be beneficial to businesses that offer quoted prices to customers or offer multiple methods of payment to consumers since you will receive the same profit regardless of how your customer pays!

How do I know if this program is right for my business?2023-09-25T13:04:57-04:00

If you are tired of an unpredictable processing bill every month, want to completely eliminate your processing fees, do not want to be locked into a long-term commitment, and need customer support that is efficient and fast; this program is perfect for your business.

Do I need specific equipment to implement this program?2023-09-25T13:04:24-04:00

Not at all! With VizyPay’s Cash Discount program, we can integrate with almost every technology. We also have multiple POS and terminal options if you are looking to upgrade.

What will my processing bill look like?2023-09-25T13:03:46-04:00

Simple and transparent. Our Cash Discount program is offered on a low month-to-month subscription that allows you to process unlimited credit card transactions and offset up to 100% of processing fees. Your monthly subscription price is locked in, meaning your processing bill will never go up, even if your transaction volume does or your business grows.

What is Cash Discount?2023-09-25T13:06:59-04:00

A method of implementing an increase in price to all your customers, while giving a discount to those who pay with cash. When a customer pays with a card, our technology isolates the price increase and applies it to your processing fees so that you never again have to worry about an unpredictable processing bill!

From initial set-up through on-going support, our commitment to quality service drives our relationships. The TRI Conversion Guarantee™ is the only one in the merchant and gift card processing industry, and it goes like this:

  • All products are programmed, tested and ready for operation prior to delivery.
  • Clients receive on site installation and training where possible.
  • Clients receive personalized follow-up from our support team.
  • Periodic reviews are available to all clients guaranteeing efficient and cost-effective payment processing.
  • All conversions are complete only when clients are 100% satisfied!

Proven Excellence

Don’t just take our word for it—check out what our clients have to say:

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