A cash discount is a marketing and sales tactic that a merchant utilizes, using a small customer service fee on all transactions. This fee is then removed if the customer pays in cash or in-store gift card. The increase in service cost is meant to cover the fees for accepting payment
A surcharge, otherwise known as a “checkout fee”. The terminal automatically detects when a customer is using a credit card (does not apply to debit cards) and will apply the fee to that card type only. There is a 30 day registration process with the card brands and is not legal in all states
CTI offers several terminal and gateway options to implement cash discounting within compliance