Lower Your Credit Card Processing Fees
Boost Your Cash Flow
With the Empower Program, you can apply a Surcharge, Non-Cash Adjustment, Convenience Fee or Service Fee or give customers a discount for paying with cash.
Either way, we’ll help you legally share your processing fees with your customers so you can keep more money in your pocket each month
Pick the Best Program for Your Business
True Cash Discount
A True Cash Discount is when a business offers a discount to customers who pay by cash, check or store-branded gift card, instead of with a credit or debit card.
Surcharges are fees that are added to the cost of the purchase for the “privilege” of using a credit card. Business owners must follow additional steps to be in compliance with the card brands.
Convenience Fees are charged for the “convenience” of paying through an alternate payment channel.
Service Fees are added by merchants in specific government and education merchant category codes (MCCs).
The Changing Regulatory Landscape
Thanks to the Durbin Amendment, businesses can legally offer a discount to customers who pay by cash or check instead of with a credit or debit card. Surcharging credit card transactions was made possible by a 2013 Visa settlement. Initially Surcharging was prohibited in 10 states. But a March 2017 Supreme Court ruling stated these bans could be challenged in courts for impeding business owners’ free speech. As a result, the surcharge ban was challenged and has been lifted in California, Texas, Florida and New York.