Servicing Long Island, NY
Partner with us and eliminate Exorbitant Credit Card Fees and Boost Profits with Our Easy-to-Use Terminals
Eliminate up to 100% of your credit and debit card processing fees with our innovative Cash Discount Program.
- Dedicated Support Team
- No Locked in Contracts
- No Hidden Fees or Obligation
- No Price Increases
- Transparent Pricing
- Fast & Easy Approval Process
- Available for all credit card types including Apple pay & Samsung Pay
- Accept EMV Chip Cards
How we save you money with every transaction
Cash Discount Program
- Fill in our Merchant agreement form
- Get approved within 24-48 hours
- We set you up with our proprietary terminal which allows you to add up to a 4% non cash fee for customers paying with credit or debit cards.
- Equipment comes pre-programmed and gets shipped to you directly
- If the customer pays with cash, then they save on the 4% fee. It really is that simple!
Call us today and start saving thousands on your monthly credit card fees and increase your profit margins!
Fast Approval Process
No Application Fees
EMV, Apple & Google pay ready
Limiteless Growth & Potential
Services
Empowering Businesses at Every Stage: Your Trusted Partner for Growth
Merchant processing
Providing safe, dependable, and high-value credit card processing services that are simple and efficient, helping businesses of all sizes modernize their operations and maximize their profits.
Terminal equipment
Upgrade Your Payment Infrastructure with Cutting-Edge Terminal Equipment Solutions.
Point of Sale equipment
Transform your business operations with our innovative POS systems, embracing the future of management technology to streamline processes, boost efficiency, and propel your business to new heights
Additional Services
Terminal installation and setup
Ongoing maintenance and support
Training and support for staff
Compliance with industry standards
Customized solutions to meet specific needs
Cash Discount Benefits
- Lower Processing Fees: One of the primary benefits is that merchants can significantly reduce or even eliminate their credit card processing fees. Instead of paying a percentage of every transaction, they can pass on the fee to those customers who choose to pay with credit.
- Increased Profit Margins: With reduced card processing fees, merchants can potentially enjoy better profit margins on sales.
- Encourages Cash Transactions: Such a program can motivate customers to pay in cash, which means immediate funds for the business and no waiting for settlements from card companies.
- Transparent Pricing: Customers appreciate transparency. Cash discount programs offer clear pricing, letting customers know that they're getting a discount for paying with cash.
- Predictable Monthly Costs: With reduced card processing fees, merchants can more easily forecast their monthly expenses and better manage their budgets.
- Simplified Bookkeeping: Cash transactions can often be easier to track, reducing the administrative burden of reconciling card payments.
- Less Risk: With more cash transactions, there's a reduced risk of chargebacks, which can be time-consuming and costly for merchants to address.
- Quick Implementation: Setting up a cash discount program can be straightforward, allowing merchants to enjoy the benefits without a drawn-out setup process.
- Better Cash Flow: With more customers paying in cash, businesses can often see an improvement in their cash flow, reducing the need for working capital.
- Promotes Loyalty: Offering a cash discount can incentivize repeat business as customers may appreciate the savings and choose to shop more frequently with merchants who offer such benefits.
- Competitive Edge: Not all businesses offer a cash discount program. By doing so, merchants can differentiate themselves from competitors, potentially attracting more customers.
- Flexibility: Merchants have the freedom to decide the discount rate, allowing them to balance between encouraging cash payments and maintaining profitability.
- No Long-Term Contracts: Most cash discount programs don’t require long-term commitments, giving merchants flexibility if they decide it's not the right fit for their business.
- Supports Local Business: Especially in smaller communities, customers might be more inclined to support businesses that offer cash discounts, as it's seen as a way for local businesses to stay competitive against larger chains.
Rapid Approval Process
ENJOY THE BENEFITS OF CASH DISCOUNT AUTOMATION MERCHANT SERVICES
Ready to start saving
- Provide your current processing statement
- We'll breakdown your current rates
- Provide you a proposal
- Complete and sign the merchant agreement
- Our team will program and deploy the equipment
- Plug the device to a power outlet, connect it to the internet
- Start saving instantly
Frequently asked questions
What is the Merchant Advantage 0% processing program?
This is a unique pricing structure created to help small business owners nationwide eliminate virtually 100% of their credit card processing fees by offering their customers a discount for using cash and passing a small processing fee to the card holder when making a credit transaction.
Will this deter my customers?
Not at all. Customers understand inflation is driving up costs for many small business owners and want to support them. Alternatively, many credit card companies offer 2-5% cash back rewards to make credit card purchases at your business. With the convenience fees, service charges, and delivery costs customers see these days, it has simply become normalized.
Why aren’t all businesses using the Cash Discount Program?
The Cash Discount program has been around since late 2011 and is slowly becoming widely accepted nationwide. While more businesses have adopted this program and seen the savings, the majority of merchants simply may not have heard of it yet or are hesitant to make the switch. Needless to say, this is where the industry is moving.
What if I am already using the cash discount program?
Excellent, let’s see if we can lower it for you! It’s very important to be aware that not all cash discount programs are the same and that you may be getting charged hidden fees on the backend. If you want to be sure, you can send us your processing statement and we can do a complimentary analysis with no obligation to you.
What if I am not techy enough to set up on my own?
Not to worry. We provide you with a pre-programmed terminal. All you have to do is plug it in, connect to your wifi and you're all set! We do understand that tech related questions may arise. Merchant Advantage LLC provides customer support 7 days a week.
Is it legal to offer a cash discount?
Absolutely! The Durbin Amendment within the Dodd-Frank Law lets businesses legally offer cash discounts because it prevents credit card networks from restricting incentives for choosing cheaper, cash-based transactions over card payments with higher processing fees. This ultimately aims to promote competition and potentially lower consumer costs.
Why don’t I simply surcharge and keep my current processor?
When you are manually entering that fee as the merchant, it is simply not compliant with card processing regulations. Which can put your processing account at risk of being shut down. The cash discount program is compliant so there is no risk to you or your business.