Send your statement. Get back what you’re really paying.

Most Florida merchants we look at are paying somewhere between 2.9% and 3.4% on every card swipe, and that’s the “effective rate,” not what their processor quoted on page 1. The fee is real. Card networks (Visa, Mastercard, Amex) charge interchange, the processor stacks a markup, and the merchant absorbs the entire thing.

Cash Discount flips it. You post a single shelf price. Customers who pay cash get a small discount at checkout. Customers who pay by card pay the listed price plus a service fee (typically 3-4%, shown on the receipt). The card processor still gets paid, just by the cardholder, not by you.

Here’s the math on a merchant doing $50,000/mo in card volume at 3.2% effective: that’s $1,600/mo (~$19,000/yr) leaving the business in processing fees. On Cash Discount, that number drops to roughly $50-$200/mo, covering compliance, statements, and the small residual the processor keeps. The other $1,400+/mo stays with you.

Florida specifically allows this under FL Statute 501.0117 as long as the cash discount is offered and disclosed properly. We handle the signage, the POS programming, and the receipt language so you’re compliant from day one. Same checkout flow. Same hardware. Different math.

Cash Discount isn’t right for every business. High‑end services, B2B, and anyone with corporate purchasing tend to do better on Interchange‑Plus. That’s exactly why we send the rate review first: so you can see both paths on one page and pick.