As a merchant, you can charge whatever pricing you want, including a custom fee at checkout. A sign can be posted to indicate all pricing in the store is cash pricing and that any other tender at the checkout will have a custom fee of 4% added to it. Thus the name of the program is Cash Discounting. The custom fee is automatically printed onto the receipt to be signed by the merchant. There is a merchant option to allow individuals to opt-out of the custom fee at the point of sale device, or a merchant can choose an option that requires the custom fee at every transaction.

Consumers understand that merchants pay fees for their privilege of using credit cards for payment. They also have sympathy for small businesses who have been hard hit by shutdowns and are willing to do their part to build small businesses back up for the good of our whole economy.

Merchants with small ticket sizes have been the first to adopt this practice with little or no push back from their clients. An extra $.50 on top of a fast-food order or even a couple of dollars added on to a $50 purchase is not a big deal to consumers with the inflation taking place in our economy.

Consumers are seeing this program more frequently, are accepting of it, and are getting accustomed to the practice.

The merchant sees NO PROCESSING FEES from the merchant processor ever deducted from their daily transactions or at the end of the month. There is no need to reconcile a merchant statement at the end of the month because there have been no fees for the merchant. The custom fee is automatically printed onto the receipt to be signed by the consumer. There is a merchant option to allow individuals to opt-out of the custom fee at the point of sale device, or a merchant can choose an option that requires the custom fee at every transaction.