Stop Paying Processing Fees.
Pay Just $45/Month.

Cash Discounting (Dual-Mid Pricing) lets you pass the processing fee to card-paying customers — fully compliant, fully transparent, and completely legal.

Start My Application → Compare Pricing Models

What Is Cash Discounting?

Cash Discounting — also called Dual-Mid Pricing or Dual Pricing — is a fully compliant pricing model where merchants display a service fee (~4%) on all card transactions. Customers who pay with cash receive a discount back to the base price.

The result: you pay a flat $45/month and keep 100% of every sale. No per-transaction fees. No percentage cuts. No surprises.

This model is fully compliant with Visa, Mastercard, and all major card network rules — and it's used by thousands of small businesses across the country.

How It Works at the Register

Item priced at $100

Your base price stays the same

Card customer pays $104

~4% service fee shown at checkout

Cash customer pays $100

Discount applied — back to base price

✓

You keep $100 either way

Processing fees are covered

Why Merchants Love Cash Discounting

For small and medium businesses, the savings add up fast. Here's why thousands of merchants have switched.

💰

Flat $45/Month

That's it. No percentage of sales, no per-transaction fees, no tiered pricing. Just $45/month regardless of your volume.

📈

Keep More Revenue

A business processing $30,000/month saves an average of $750–$1,200/month compared to traditional interchange pricing.

✅

Fully Compliant

Completely legal and compliant with Visa, Mastercard, and all card network rules when implemented correctly — which we ensure.

⚡

Fast Approval

Most cash discounting accounts are approved within 24–48 hours. We handle the paperwork and processor matching for you.

🔄

Easy Switch

Already processing with another provider? We make switching seamless — new equipment, new rates, same customers.

🏪

Works Any Business

Restaurants, retail shops, salons, auto repair, service businesses — if you accept cards, cash discounting can work for you.

How Much Could You Save?

See the difference Cash Discounting makes for your business based on your monthly volume.

Your Monthly Processing Volume

Traditional Fees/Month

$900

(avg 3% of volume)

Cash Discounting/Month

$45

flat rate

Your Monthly Savings

$855

per month

That's $10,260 saved per year

Start Saving — Apply Now →

Common Questions

Is Cash Discounting legal? ▼

Yes — fully legal and compliant with all major card network rules including Visa and Mastercard, when implemented correctly. Lucrative Merchants ensures your setup is 100% compliant.

Will my customers be upset about the fee? ▼

Most merchants report minimal pushback. The fee is disclosed transparently at checkout, and cash customers are rewarded with a discount. Many customers are already used to seeing this at gas stations and other businesses.

What types of businesses qualify? ▼

Most business types qualify — restaurants, retail, salons, auto repair, service businesses, and more. Even some high-risk industries can use this model. We'll let you know during the application process.

How is this different from surcharging? ▼

Surcharging adds a fee only to credit card transactions. Cash Discounting shows the service fee to all customers and offers a discount for cash — this distinction makes it compliant in all 50 states including states that ban surcharging.

How long does approval take? ▼

Most cash discounting accounts are approved within 24–48 hours. Once approved, we help you get set up with the right equipment and configure your pricing correctly.

Can I switch from my current processor? ▼

Yes. We handle the transition including new terminal programming, rate comparison, and cancellation guidance for your current processor. Most merchants are up and running within a week.

Stop Paying Processing Fees.Pay Just $45/Month.