Keep more
of every card swipe.
The SpotrOS cash discount program is designed to reduce your card-processing costs. 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.
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1
Posted price covers processing
At checkout, the posted price covers the cost of processing card payments — the same cost you were previously absorbing into your margin.
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2
Discount available for cash payments
Customers paying cash receive a discount from the posted price. Many customers appreciate the discount and choose to pay cash — improving your cash flow.
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3
Same net margin on every sale
Whether a customer pays cash or card, you receive the same net amount per transaction. The processing cost is built into the posted price rather than absorbed from your margin.
Who qualifies?
The program isn’t for everyone, and we’d rather tell you that upfront.
- Established independent businesses in NJ, NY, or FL
- Accepting card payments (payment processing required)
- Willing to post clear dual pricing at the point of sale — we handle the required disclosure and signage
- Eligibility confirmed from your actual transaction profile during your Money-Leak Audit call
Payment processing required; full terms reviewed on your call.
Processing fees add up fast.
Every card transaction costs you money. The cash discount program puts that money back in your pocket.
Get your personalized savings estimate.
Tell us your monthly card volume and we'll send you a custom savings breakdown within 1–2 business days.
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.
How does the SpotrOS cash-discount and dual-pricing program work?
Customers see a clearly posted price, with a discount available for paying cash. The cash-discount model is well-established and widely used, and the SpotrOS program is designed to comply with all applicable state and federal rules. We walk through exactly how it works for your business during a no-cost consultation. Payment processing required; full terms reviewed on your call.
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. At typical Visa/Mastercard rates of 2.5–3.5%, most independent businesses see hundreds to thousands per month in processing fees that stop coming out of margin once cash-discount is in place. We will calculate your specific number from your actual transaction profile during a no-cost consultation. Request a personalized estimate. Payment processing required; full terms reviewed on your call.
Ready to keep more of every sale?
Book a demo and we'll show you the exact savings model for your business — based on your actual numbers.