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Cash Discount Program / Swipe4Free Program

Updated: Apr 4, 2022

How SWIPE4FREE NO Fee Credit Card Processing and FREE Credit Card Processing Works. So you stop giving away your hard earned profits to your credit card processor.


How does it work?


You Keep 100% of Your Sales


Swipe4Free Program lets you keep all of your profits by eliminating your credit and debit card processing fees by passing the fees onto the customer. A Non-Cash Charge is automatically implemented in each transaction made using a credit or debit card. The Non-Cash charge covers all interchange costs, authorization costs, credit transaction costs, and merchant support.



Accept Card Payments Anywhere


As a Swipe4Free merchant you have access to a suite of the newest POS systems and terminals that will allow you to take payments anywhere on-the-go, making your job and your customer’s life much easier. Being able to accept payments at any given time opens your business up to a new world of opportunities and profitability.



Reward Cash Paying Customers

Swipe4Free does not only eliminate your business’s card fees with our Non-Cash Charge, but it also encourages your customers to pay with cash helping you further avoid card fees and putting cash straight into your pocket. Swipe4free gives your business the unique ability to reward cash paying customers by giving them the opportunity and option to buy at a lower price.


Why change from traditional to Swipe4Free Program


Cash Discounting is Fully Compliant with Federal and State Laws

The Durbin Amendment does not allow any payment card network to inhibit a merchant’s ability to implement a cash discount. If you can save money legally why not to?

The U.S. Has the Highest Interchange Rates

U.S. interchange rates are unregulated, allowing payment card networks (Visa, MasterCard, etc.) to charge what they want at any time. Interchange fees will continue to increase to the merchant. Since Covid and the actual inflation the Interexchange charges are projected to increase by 27% in all charges.

Raising Your Prices Loses Customers

It has been proven that raising your prices costs far more in your customers eyes and by implementing a cash discount program they will have a better experience. You are not raising prices you are adding a minimal non cash charge.

Offset the Rising Minimum Wage Rate

States across the U.S. are raising minimum wage rates, especially in the Tri-State area with New York at $15/hour , DC at $15/hour as well and New Jersey soon to follow.

Avoid Junk Fees and All Other Miscellaneous Fees

Junk fees are just one example of a junk fee charged by your traditional credit card processor.

Removing Minimum Credit or Debit Card Signs

Cash Discounting removes the need to display a minimum debit or credit card sales signs.

Offset Other Constantly Growing Costs of Doing Business

From rising rent , utilities, to inventory costs, the cost of doing business grows every year for merchants with no relief.


Let us help you choose the right program for your business. Follow the link below to book an online appointment or a visit from one of our consultants.




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