Cash Discounting

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Ready to stop paying credit card processing fees?

That’s our specialty — and we make it simple! Let’s break down how it works.

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Credit card payment processing

Accept payments anywhere — with little to no credit card fees

At PayTrac, we specialize in helping businesses reduce or even eliminate their credit card processing costs.

Our team has deep expertise in payment compliance and understands every regulation involved in processing card transactions the right way. We’ll show you exactly how to cut unnecessary fees and keep more of your revenue where it belongs — in your pocket.

Reach out to one of our knowledgeable representatives today to see how we can make this happen for your business.

Why Cash Discounting matters

With operating costs constantly rising, business owners are under pressure to maintain profitability without raising prices for loyal customers.

Cash Discounting is a proven solution that helps merchants offset increasing costs such as:

Processors taking 3–4% of every debit or credit card sale

Losing customers over “Credit Card Minimum” policies

Rising credit card rates and hidden fees

Growing employee wage requirements

Paying for customers’ rewards programs (miles, cashback, etc.)

Higher product and supply costs due to inflation

Cash Discounting helps you control these expenses — easily and transparently.

Keep 100% of your sales revenue

Compare your current processing fees with ours and see the difference.

Through our Cash Discounting program, you keep the full amount from every transaction. Nothing is withheld — and when the month ends, you’ll see zero processing fees on your statement.

At PayTrac, simplicity is key.

You earn it — you keep it

Online checkout payment

Stop losing profits to credit card fees!

Let’s talk today.+1 (888) 226-5926
Retail card payment terminal

How it works — in 3 simple steps

Our terminals automatically calculate and display a cash discount (typically around 4%) on qualifying cash transactions.

It’s seamless, transparent, and fully automated.

Two prices — one simple system

Our Cash Discounting setup gives your customers two clear options:

  • Cash payments receive a discount.
  • Card payments include a small service fee.

Both prices are clearly shown on the payment terminal and PIN pad.

When a customer pays by card, that service fee helps cover all transaction and support costs — meaning you still receive the full sale amount. By the end of each month, your statement shows no processing fees.

Cash discount pricing at the register

Complete payment solutions for your business

Let’s talk about what fits your setup best:+1 (888) 226-5926

Next-day funding (for batches closed by 11:00 PM EST)

POS systems for every business type

Pay-at-the-table and wireless terminal options

EBT and EMV-ready equipment

100% compliance with state and federal laws

Support for all major contactless payment methods