Stop paying 2.5–3.5%
on every card swipe.
The SpotrOS cash discount program eliminates credit card processing fees entirely. Legal, compliant, and built into every SpotrOS POS. Here is exactly how it works.
Fully compliant • NJ & NY approved • Built into every POS
How the Cash Discount Program Works
Card customers see a small service fee
At checkout, card-paying customers see a small service fee added to their total. This fee covers the cost of processing the card payment — the same fee you were previously absorbing.
Cash customers pay the base price
Customers who pay cash pay your standard menu price with no additional fee. Many customers appreciate the cash discount and choose to pay cash — increasing your cash flow.
You net the same margin on every sale
Whether a customer pays cash or card, you receive the same net amount per transaction. The processing fee is no longer your cost — it is covered by the payment method choice.
Here is what you are currently losing.
At a 2.75% average processing rate:
See exactly how much you'd keep.
Enter your monthly card sales and we'll show you your annual savings — and send them to your email.
Is this legal?
Yes. The cash discount program is fully compliant with:
- Visa and Mastercard network rules (dual pricing is explicitly permitted)
- New Jersey state law (no restrictions on cash discounts)
- New York state law (cash discounts are legal and common)
- The Durbin Amendment (federal law that governs card fee disclosure)
The key requirement is clear disclosure at the point of sale. SpotrOS handles compliant implementation — including required signage, customer-facing display configuration, and receipt language. We have implemented this program for restaurants across NJ and NY.
Frequently Asked Questions
What is the difference between dual pricing and a surcharge?
A surcharge adds a fee for card payments on top of the base price. A cash discount starts from a higher posted price and offers a reduction for cash payment. Surcharges face more legal restrictions in some states. The SpotrOS cash discount program uses the compliant cash discount model — customers see the posted price and receive a discount for paying cash.
How do customers react to the cash discount program?
Most customers understand and accept it — particularly when it is explained clearly at the point of sale. Many appreciate the option to save by paying cash. Restaurants that implement it correctly report minimal pushback. Clear signage and a well-configured customer-facing display make the difference.
Does it work with all card types including Amex?
Yes. The cash discount program works with all major card types — Visa, Mastercard, Discover, and American Express.
Can I turn it off if I change my mind?
Yes. The cash discount program can be deactivated and your POS reverted to standard pricing. We recommend trying it for at least 60 days to see the full impact on your margins before making a decision.
What do I need to display in my restaurant?
Card network rules require clear disclosure that a cash discount is offered. SpotrOS provides compliant point-of-sale signage, configures your customer-facing display to show both prices, and ensures your receipts include the required language. We handle all of this during setup.
How much can I realistically save per year?
It depends on your card vs. cash sales mix and monthly volume. A restaurant processing $50,000/month in card sales at 2.75% saves approximately $16,500 per year. Use the calculator above to see your specific number.
Ready to stop paying processing fees?
Book a free demo and we'll show you the exact savings model for your business — based on your actual numbers.