Posted prices include cards. Cash gets the discount.
In a true Cash Discount Program, the shelf or menu price already reflects the card-inclusive price. Cash and check customers receive a clear 3.50% discount off that posted price — where the program is allowed. It is a simple way to keep more when people pay cash, and it is separate from surcharge with different rules and setup.
See My Savings →Card-inclusive (shelf / menu). How prices appear for customers is confirmed with you before the program goes live.
How the CMS Cash Discount Program works
Higher posted price is card-inclusive on the shelf or menu. Cash and check get 3.50% off that posted price. Not a surcharge. Example: $103.63 posted card-inclusive · about $100 cash.
CMS does not disguise a surcharge as a cash discount. Posted prices, state fit, and debit treatment are confirmed before activation so customers see a clear, honest price structure at the register or on the menu.
- Higher posted / shelf / menu price = card-inclusive price
- Cash and check get 3.50% off the posted price
- Separate from surcharge — different rules and disclosures
- State availability is confirmed during enrollment
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See estimated monthly impact for your business next to Flat Rate and Surcharge. Setup details stay in your private merchant record until you are ready to enroll.
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