For Nevada businesses in Las Vegas, Henderson, Reno, and everywhere in between — start here to see how Flat Rate, Surcharge (eligible credit up to 3%), and Cash Discount (3.5% off card-inclusive posted prices) compare in plain language. CMS confirms your setup and how prices are shown before anything goes live.
CMS sells only these three customer programs. Each page below is written for Nevada operators — not a thin copy of the national program pages.
Option 1
One clear blended rate for card sales. Built from your statement or your industry and payment mix — easy to compare with what you pay today.
Option 2
Keep cash prices the same. Where Nevada allows, eligible credit can include a clearly disclosed surcharge — typically up to 3%. Debit and prepaid are never surcharged.
Option 3
Posted shelf or menu prices are card-inclusive. Cash and check get about 3.5% off that posted price. Separate from surcharge — different rules and disclosures.
A quick side-by-side for Nevada merchants. Final program and how prices are shown are confirmed before anything goes live.
| Flat Rate | Surcharge | Cash Discount | |
|---|---|---|---|
| How it feels at the register | One clear rate on card sales | Cash price stays; eligible credit may include up to 3% | Posted price includes cards; cash/check ~3.5% off |
| Best when | You want a simple monthly number | Customers can help cover eligible credit | You post card-inclusive prices and reward cash |
| Debit & prepaid | Included in the flat rate | Never surcharged | Follow your posted cash vs card rules |
| Nevada notes | Available statewide | Available after CMS review | Cash discount protected under NRS 97A.210 |
| Next step | Flat Rate guide → | Surcharge guide → | Cash Discount guide → |
Already taking cards? Start with CMS Statement Review — Upload · Compare · Save — then continue with Nevada prefilled at Get Started.
CMS treats surcharge and cash discount as separate programs and confirms your operating state before activation.
Nevada generally supports a CMS Surcharge Program when card-brand limits and clear pricing are followed. Debit and prepaid cards are never surcharged. CMS confirms your location and rate before going live.
Available after CMS review of disclosure, card-brand, and program eligibility.
Nevada — Available. You can offer a cash discount or dual pricing (cash price vs. card price) when prices are shown clearly. Cash discount is not a surcharge.
CMS confirms the details with you before anything goes live.
National Flat Rate → · National Surcharge → · National Cash Discount →
Local guidance is strongest for Las Vegas, Henderson, Reno, Sparks, Carson City, and businesses throughout Nevada. You get the same clear Flat Rate, Surcharge, and Cash Discount comparison wherever you operate — plain language, honest disclosures, no jargon.
Upload a recent processing statement if you already take cards, or start with industry, volume, and how customers pay if you are new. You stay on CMS pages for the next steps.
Statement Review for Nevada merchants →
Start My Nevada Review →CMS confirms your Nevada setup and how prices are shown before anything goes live. Debit and prepaid are never surcharged.
