Arizona Cash Discount: posted prices include cards; cash saves
In a true CMS Cash Discount Program for Arizona, the shelf or menu price already reflects the card-inclusive price. Cash and check customers receive about a 3.50% discount off that posted price. It is separate from surcharge — different rules, different customer experience. CMS validates how cash vs card prices are shown before activation.
Higher posted price is card-inclusive. How prices appear for Arizona customers is confirmed with you before the program goes live.
How Cash Discount works for Arizona merchants
CMS does not disguise a surcharge as a cash discount. Posted prices, Arizona fit, and debit treatment are confirmed before activation so customers see a clear, honest price structure at the register or on the menu — whether you are in Phoenix, Tucson, or anywhere else in the state.
- Higher posted / shelf / menu price = card-inclusive price
- Cash and check get about 3.50% off the posted price
- Separate from surcharge — different rules and disclosures
- CMS reviews posting before go-live
Flat Rate & Surcharge
See estimated monthly impact next to Flat Rate and Surcharge. Setup details stay in your private merchant record until you are ready to enroll.
What merchants usually ask
Is Cash Discount Available in Arizona?
Yes — Available after CMS review of how cash vs card prices are posted. CMS validates program structure and clear dual pricing before activation.
How much is the CMS cash discount in Arizona?
CMS typically uses about 3.50% off the higher card-inclusive posted price for cash and check — state-capped where a lower limit applies. Exact setup is confirmed before activation.
Is Cash Discount a surcharge?
No. Cash Discount posts a card-inclusive shelf or menu price and gives cash/check a clear discount. Surcharge keeps cash prices the same and adds a disclosed amount on eligible credit. CMS never disguises one as the other.