0_% Credit Card Processing

Yes, Cash Discount programs are legal in all 50 states per Durbin Amendment (part of the 2010 Dodd-Frank law) which states that businesses are permitted to offer a discount to customers that pay cash. Mitchell Katz, spokesman for the Federal Trade Commission, said in May 2011, “The Dodd-Frank Law prohibits a payment card network such as Visa from inhibiting the ability to provide a discount for payment by cash, checks, debit cards or credit cards… neither surcharging nor cash discounting is illegal.”

You will be able to accept credit, debit, digital wallets such as Apple Pay, Google Pay and Samsung pay, with the added ability to safely accept touchless, fast chip (EMV), swipe and hand key payments.

We provide next business day funding as long as you close your batch by 11PM EST. If you settle after that time, your funds will be deposited within 2 business days.

Obtain one of our compatible point-of-sale terminals and we will provide you with the appropriate signage to help you stay compliant.

Just about any business that accepts credit cards can benefit from CoCard. From restaurants, convenience stores. auto repair shops and daycare centers to retail establishments and professionals like doctors, lawyers, dentists and accountants, can all take advantage of our program and save hundreds if not thousands of dollars each month!

This is the fun part. We’ll send you everything you need in one handy package. You’ll receive your choice of the payment terminal, along with signage for your front door and terminal area explaining the discount for cash-paying customers. You’ll also receive free training, along with your staff and ongoing support whenever needed.

Almost. Few merchants may still see small amount of fees due to variations in the interchange prices (fees card networks charge). Even after these small variations, the savings range between 95-100%.”

We have a 100% satisfaction guarantee. If for any reason you want to stop using Cash Discount Program, we will immediately change you back to traditional interchange pricing. We got you covered!

This is not a credit or debit card surcharge program which is not allowed in several states. We provide you with a technology that allows you to offer discounts to its customers who chose to pay using cash or check which is allowed in all states.

This program may sound new but many businesses have been enrolled in this program for years and more are signing on every day. Gas stations have been using this program in the US for over 15 years. In addition, many national, state and local governments like the DMV, IRS, Post Offices, Schools and Courts use the cash discount program and new federal regulations now allow merchants to reclaim their fair share of processing fees.