Signage is provided that says
“All transactions have a fee.”

CREDIT CARD TRANSACTION:
Customer’s Cash Discount Price: $10.00
Customer’s Fee (3.75%): $0.37
Customer’s Total: $10.37

The $0.37 pays the merchant fees!

CASH TRANSACTION (With the 3.75% DISCOUNT):
Customer’s Cash Discount Price: $10.00
Customer’s Fee: $0.00
Customer’s Total: $10.00

Using the example above, the $0.37 generated from the fee assessed to the customer is used to offset nearly ALL of your merchant fees. It’s that simple! And your customer benefits from paying cash by achieving a 3.75% Discount.

By offering a cash discount to cash paying customers, merchants are now able to utilize this program to pass a fee along to non-cash payments and meet state and local regulations. This is the same program that gas stations, municipalities, and utility companies have been using for years across the country.

The Durbin Amendment (as part of the Dodd-Frank Law in 2010) states that businesses are permitted to incentivize customers to use cash by offering a discount for cash payments. To qualify for this discount, the payments would have to be made using a form of payment that are not credit/debit cards (i.e. cash). Furthermore, there was a settlement in January of 2013 that required major card brands to change some rules for merchants to allow merchant to “offer discounts to customers who pay with payment forms less expensive than Bank Debit Cards.”