Cash Discount Program

The Cash Discount Program represents a revolutionary approach to payment processing that has helped thousands of businesses eliminate their credit card processing fees entirely. Unlike traditional processing where merchants absorb 2-4% on every transaction, cash discount allows you to recover those costs transparently and legally.

Here's how it works: You set your displayed prices to include the cost of processing. When a customer pays with cash, check, or debit (PIN-based), they receive a discount—typically 3-4%—off the displayed price. Customers paying with credit cards pay the displayed price, which includes the processing cost. The result? You pay zero processing fees.

This isn't surcharging, which adds a fee at checkout and has restrictions in some states. Cash discount rewards customers for using cash rather than penalizing them for using cards. It's the same model gas stations have used for decades—the only difference is we're bringing it to all business types.

The program is completely legal in all 50 states and compliant with card network rules when implemented correctly. We provide all required signage, receipt language, and staff training to ensure your program runs smoothly. Your POS terminal automatically calculates and applies the appropriate discount or standard price based on payment method.

Many business owners worry about customer pushback, but the reality is most customers understand and accept the program—especially when framed as a cash discount rather than a card fee. The savings you realize typically far outweigh any minor customer friction, and many customers actually prefer the transparency.

Cost matters — but total value matters more. Many businesses focus only on rates. They miss hidden fees and service gaps that cost more over time. Unison takes a different approach. Every dollar you spend on cash discount program delivers real, measurable returns.

No Hidden Fees

With Unison, you get straightforward pricing:

• No setup fees
• No long-term contracts
• No early termination penalties
• No PCI non-compliance fees
• No hidden monthly minimums

You pay only for what you use. Every charge appears clearly on your statement.

Real ROI Beyond Savings

Businesses that use the right payment tools see gains in:

• Checkout speed — shorter wait times and faster throughput
• Customer retention — better payment experiences keep people coming back
• Cash flow — faster funding and clearer reporting
• Efficiency — automation replaces manual work

Want to see your potential savings? Try our savings calculator or request a free statement analysis. Most merchants save 20 to 40 percent after switching.

Not all providers are the same. Unison gives you a dedicated account manager — someone who knows your business, your industry, and your goals.

Here is what sets us apart:

• Interchange-plus pricing — see the real cost of every transaction
• No hidden fees — no surprise rate increases or contract penalties
• 20–30% savings — the average reduction for merchants who switch
• Fast funding — most deposits in 24 hours
• Human support — real people who pick up the phone

Easy to Get Started

1. Apply online in under 10 minutes
2. Get approved within 24 to 48 hours
3. Start using cash discount program right away

Switching from another provider? We handle the full transition so your business runs without interruption.

Setting up is simple. Our team handles the technical work so you can focus on your business.

Step-by-Step Process

1. Free consultation — contact us to discuss your needs and goals
2. Statement review — we analyze your current fees and find savings
3. Quick application — takes less than 10 minutes online
4. Fast approval — most merchants approved in 24 to 48 hours
5. Setup and training — we configure everything and walk your team through it

After You Are Live

Your dedicated account manager stays with you. They monitor your account, suggest ways to save, and handle any changes you need. No call centers. No ticket queues. Just direct access to someone who knows your business.

Calculate your savings now or get a free quote to take the first step.