Compare Payment Pricing Models
Transparent payment processing reviews — including Cash Discount and Dual Pricing programs that may help qualified merchants reduce card processing impact. Compare pricing models and request a quote tailored to your business.
How Cash Discount Works
A simple, legal way to offset credit card processing costs
Set Posted Prices
Display compliant posted prices and customer notices based on your approved program structure
Cash Customers Save
Customers paying with cash or debit receive a discount equal to the service fee
Offset Card Costs
A properly configured program may help reduce the impact of card processing costs
Cost Offset
Options
Compliance
Reviewed
Clear
Pricing
Easy
Setup
Compare Pricing Models
Understanding the different ways processors charge for credit card acceptance
Interchange Plus
Most transparent pricing model. You pay the actual interchange rate set by card networks plus a fixed markup.
Example:
Interchange + small fixed markup per transaction
Pros
- Most transparent
- Best for high-volume
- See actual costs
Cons
- Variable monthly bills
- Complex statements
Best for: Established businesses processing higher volumes
Tiered Pricing
Transactions are categorized into qualified, mid-qualified, and non-qualified tiers with different rates.
Example:
Rates vary by transaction type and card category
Pros
- Simple to understand
- Predictable qualified rate
Cons
- Less transparent
- Many transactions downgrade
Best for: Businesses with mostly swiped/dipped transactions
Flat Rate
One simple rate for all transactions regardless of card type or transaction method.
Example:
One consistent rate per transaction
Pros
- Simple and predictable
- Easy to calculate costs
Cons
- Usually highest cost
- No volume discounts
Best for: Low-volume or new businesses
Cash Discount / Dual Pricing
Display posted prices and offer a discount for eligible cash payments. Program structure depends on state rules and card brand requirements.
Example:
Posted price includes service fee, cash customers receive a discount
Pros
- Can offset processing costs
- Clear customer pricing
- Guided implementation
Cons
- Requires signage
- Some customer adjustment
- State regulations apply
Best for: Any business in a compliant state wanting to reduce fees
Would you like a competitive rate analysis?
Instead of a generic estimate, a BSV payments specialist reviews your actual processing statement line by line — interchange, assessments, markup and monthly add-ons — and shows you what your business could look like on a BSV program each month.
- Upload your most recent statement as a PDF
- Line-by-line review of what you pay today
- Program and equipment recommendation for your business
- Reviewed by a specialist, not an automated calculator
Estimated results require accurate current processing statements and may vary based on actual volume, card mix and provider requirements. Subject to underwriting approval.
Request your rate analysis
Attach your statement as a PDF. A specialist follows up within one business day.
State-by-State Compliance
BSV Solution works with businesses nationwide. Look up your state to see the program rules that apply there, plus every service and piece of equipment we can set up for your business.
Alabama
AL
Cash discount programs permitted with proper signage
View Alabama programsAlaska
AK
No restrictions on cash discount programs
View Alaska programsArizona
AZ
Cash discounts permitted; clear disclosure required
View Arizona programsArkansas
AR
Legal with proper customer notification
View Arkansas programsCalifornia
CA
Cash discounts permitted; cannot charge more than posted price for credit
View California programsColorado
CO
Requires specific signage and disclosure requirements
View Colorado programsConnecticut
CT
Permitted with strict disclosure requirements at point of sale
View Connecticut programsDelaware
DE
No specific restrictions on cash discount programs
View Delaware programsFlorida
FL
Cash discounts fully permitted with signage
View Florida programsGeorgia
GA
Legal with proper disclosure
View Georgia programsHawaii
HI
Cash discount programs permitted
View Hawaii programsIdaho
ID
No restrictions on cash discounting
View Idaho programsIllinois
IL
Permitted with clear signage requirements
View Illinois programsIndiana
IN
Cash discounts legal with disclosure
View Indiana programsIowa
IA
No specific restrictions
View Iowa programsKansas
KS
Cash discount programs permitted
View Kansas programsKentucky
KY
Legal with proper signage
View Kentucky programsLouisiana
LA
Cash discounts permitted
View Louisiana programsMaine
ME
Requires clear disclosure; some restrictions apply
View Maine programsMaryland
MD
Cash discounts permitted with signage
View Maryland programsMassachusetts
MA
Requires specific compliance measures and clear posting
View Massachusetts programsMichigan
MI
No specific restrictions on cash discounting
View Michigan programsMinnesota
MN
Cash discounts permitted
View Minnesota programsMississippi
MS
No restrictions
View Mississippi programsMissouri
MO
Legal with proper disclosure
View Missouri programsMontana
MT
Cash discount programs permitted
View Montana programsNebraska
NE
No specific restrictions
View Nebraska programsNevada
NV
Cash discounts permitted
View Nevada programsNew Hampshire
NH
Legal with signage
View New Hampshire programsNew Jersey
NJ
Cash discounts permitted with disclosure
View New Jersey programsNew Mexico
NM
No restrictions on cash discounting
View New Mexico programsNew York
NY
Must display both cash and credit prices; surcharging has specific rules
View New York programsNorth Carolina
NC
Cash discounts permitted
View North Carolina programsNorth Dakota
ND
No specific restrictions
View North Dakota programsOhio
OH
Legal with proper signage
View Ohio programsOklahoma
OK
Cash discount programs permitted
View Oklahoma programsOregon
OR
No restrictions
View Oregon programsPennsylvania
PA
Cash discounts permitted with disclosure
View Pennsylvania programsRhode Island
RI
Legal with signage requirements
View Rhode Island programsSouth Carolina
SC
Cash discounts permitted
View South Carolina programsSouth Dakota
SD
No specific restrictions
View South Dakota programsTennessee
TN
Legal with proper disclosure
View Tennessee programsTexas
TX
Cash discount programs fully permitted
View Texas programsUtah
UT
No restrictions on cash discounting
View Utah programsVermont
VT
Cash discounts permitted
View Vermont programsVirginia
VA
Legal with signage
View Virginia programsWashington
WA
Cash discounts permitted with disclosure
View Washington programsWest Virginia
WV
No specific restrictions
View West Virginia programsWisconsin
WI
Cash discount programs permitted
View Wisconsin programsWyoming
WY
No restrictions
View Wyoming programsImportant Compliance Notice
State regulations may change. This information is provided for general guidance only and should not be considered legal advice. We recommend consulting with a legal professional and contacting us to verify current compliance requirements in your state before implementing a cash discount program. BSV Solution provides compliant signage and program setup to ensure your business meets all applicable regulations.
Ready to Review Your Pricing Options?
Get a clear review of Cash Discount, Dual Pricing, and traditional processing options. Program availability depends on business profile, state rules, and underwriting approval.