like never before.


did you know businesses don't have to pay to get paid?

stop paying to get paid!

Credit Card


  • Without making any changes to prices, simply notify your customers that the listed price is the Cash price.

  • Service Fee applies the standard adjustment for credit to all purchases.

  • Cash and Debit Card payments automatically receive the discount.

  • The amount of the discount is predetermined and built into the Service Fee Program proprietary software.


The surge in increased usage of Service Fee Programs for all credit & debit cards in 2020 can be attributed to BOTH business owners’ desire to cut cost AND consumers’ choice of payment type to utilize. We now live in a world of Choice-Driven Transactions.

  • How do consumers and business owners view this emerging structure?

  • Why are the Payment Card Networks resistant to it?

The Problem

Unless businesses pass on the credit card fee, they have to either raise prices across the board—harming customers who pay with cash, or accept a lower profit margin on all card sales.

The Solution

Consumer Choice AND Business Owner Choice is a win-win for all parties (and even a win for payment networks). Consumers themselves are armed with the ability to make a decision about how they choose to pay for an item or service: cash, check, card, (and for the latter 2 options, which one of their cards they choose from and which “rewards” they desire). 

On the flip side, owners choose to provide consumers with as many payment methods they deem reasonable to accept. In doing so, they choose whether to “bake it into the pricing”, line item the cost on a sales order for all cards. 

The various federal laws and amendments enacted over the years and various state court decisions on this issue have one thing in common: CHOICE. 

We know every dollar matters. So that's why we’re offering a 0% payment processing transaction program. Join small businesses across the US who are saving money and keeping every dollar that they make.


Will I lose customers if I implement a Service Fee program?

We're happy to say that after many years of selling this program we have found the advantages far outweigh the disadvantages. Customers understand that paying with a card has a cost, but it also has its benefits. Despite the opportunity to save by paying with cash, over 98% of customers still choose to pay with cards. Implementing a service fee program the right way should not cause you to lose customers.

Is the percentage added to the sale set at 3.95% or can it be adjusted?

The standard service fee is 3.95%. Under special circumstances or for larger accounts we will consider other options. If it is determined that a lower Service fee percentage is required, we will need current processing statements and management approval.

Are there any per-transaction fees?

With our Service Fee program, no transaction fees will ever be incurred.

If I start this program do I have to sign a long-term contract?

Unlike most processing companies that lock you into a confusing contract, there is never a contract with The Payment Experts. All of our agreements are always month to month.

If I am currently in a contract, can I still use your service?

Yes, however, you may have to pay a contract cancellation fee to your current company, but the savings from a Service Fee program far outweigh any cancellation cost.

If I don't like this program, can I switch back to traditional processing?

Although this rarely happens, we would be happy to switch you back to traditional processing free of charge if you are not satisfied with cash discount processing. Additionally, we will lower your rates compared to your current provider. We offer this security for all merchants.

Do I have any monthly fees for processing cards with The Payment Experts?

You will never pay for processing cards. Exceptions to this rule included chargebacks and tips. In some cases do not include the 3.95% service fee on tips.

Are card disputes handled any differently than with my current processor?

Disputes are handled just the same. You will still incur chargeback fees if you lose your dispute.

How long does it take to get started?

Once we receive the required paperwork, you can get started in 3 to 5 business days.

For the Service program, is there a limit to the size of the transaction (dollar amount)?

There is no limit on the dollar amount of any transaction.

Does the 3.95% service fee apply to all card types?

The service fee applies to all cards except EBT cards. EBT cards do not incur the Service Fee, but they also do not incur any processing fees. They are always free.

Is there any minimum transaction volume required to use your service?

Yes, a minimum average of $2k per month is required or $100k per year if it is a seasonal business.

What can I do if surcharging is not legal in my state?

Unlike surcharging, Service Fee processing is legal in all 50 states, so you should have no problem adopting it for your business.

Why can't I just add 3.95% to each transaction and stay with my current processor?

Adding 3.95% to each transaction would be a surcharge. Surcharging is against the card brand's policies unless the account is set up to accept them properly. Our Service Fee program is approved by all card brands. We also provide all the required signage for an approved Service Fee program.

Am I provided with a "Point of Sale" sign to communicate that there is a 3.95% customer service fee?

In order for a Service Fee program to be implemented legally, you must provide a customer notification of the service fee at all entrances and points of sale. To help you successfully establish a Service Fee program, we will provide you with all required signage.

How fast can I get my money once the transaction is processed?

Next day funding is available if the terminal is batched out by 7 PM EST.

What does the card receipt read that is seen by the customer at the time of purchase?

The receipt reads, “Non Cash Adjustment or “Service Fee” on the line that adds the service fee.

Will the purchase on my customer’s card statement appear as it currently does? Will it list my business's name?

Yes, your customer's card statement will still appear as it currently does, and your business's name will be listed on it.

Is the new terminal easy to set up once I receive it?

In order to make implementing the Service Fee program as effortless as possible, all of our terminals come pre-programmed and ready to accept payments. Instructions on how to use the terminal are also included. If you're still having trouble or want to run a test transaction, feel free to call our friendly customer support line.

Do I have to batch my terminal, or does it do it automatically?

We can program the terminal to auto-batch at your requested time for all non-tipped transactions. We can set up businesses that require a tip line by special request.

Can I tie your service to my POS cash register system or do I have to use your terminal?

We can review with our integration team regarding your current POS. In general we find solutions that better your business.

If I have a current card processing terminal, can it be programmed to work with your service?

Our Service Fee program requires the use of our equipment with the special software.



When you partner with The Payment Experts you gain a team that’s here to help you create a cycle of improvement within your business. Our trained Personal Service Consultants, know the right processing solution to help you manage and grow your business. Our Personal Service Consultants are ready to help you optimize your merchant account experience. We are here to help save your employees time and YOUR hard earned MONEY!


Meet with a Service Consultant for your complimentary consultation. This meeting will determine if you qualify for the program. It’s important to know which account is right for you before you set up service.


Provide necessary financial information to start the implementation. 


Work with your Personal Service Consultant to complete your credit card processing agreement. 


Account Onboarding and training


Enjoy the savings and refer others to your Service Consultant



There are two types of mindsets when approaching issues or needs: we can view them as situations, or we can view them as opportunities. Cash Discount Plus recognizes these opportunities and helps you apply them to your business.


Because the risk of losing your revenue from unfunded transactions is a lot higher than you'd think, it's important to have resources in all 50 states dedicated to the facilitation of all transactions, from charge to fund. We do everything possible to ensure this.


Over 70% of transactions are made by credit card. A lot of times this requires increases in product prices to make up for the service fees. The Payment Experts eliminates merchant fees so you can keep your products viable. We have a free terminal placement program available to qualifying merchants.


Our business model is based on quality service and lifelong relationships. We don't make you sign contracts because we're confident you'll never want to leave us.

Young Business Colleagues




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As a small business owner, it's important to support local as much as possible. They have been my go-to for credit card processing for a while now, glad to follow her to her new company. They are always great to work with, and I know they will take care of the payment side of things, so that I can keep my focus on running my shop. I'd highly recommend anyone with a business look into The Payment Experts!

Steve W. Garage Slick


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