Question 1

Is the Cash Discount Program legal in Florida and the US?

Accepted Answer

Yes. The Cash Discount Program is 100% legal in all 50 US states under the federal Durbin Amendment and Dodd-Frank Act, and complies with Visa, Mastercard, Discover, and Amex network rules. A small service fee (typically 3.5–4%) is added at the point of sale only when a customer pays by card; cash customers pay the posted price. Processing Bros provides compliant signage, automated dual-pricing terminals, and itemized receipts so your program meets every disclosure requirement.

Question 2

What is Dual Pricing and how does it eliminate 95% of processing fees?

Accepted Answer

Dual Pricing displays two prices at checkout — a cash price and a card price. When a customer pays by card, the small service fee (typically 3.5–4%) covers the processor's interchange and markup, so the merchant keeps 100% of the card sale. Combined with a $0/month software-fee account, this eliminates roughly 95% of traditional processing costs. The average Processing Bros merchant saves $8,000+ per year.

Question 3

What is interchange-plus pricing and why is it cheaper than flat-rate processors like Square or Stripe?

Accepted Answer

Interchange-plus passes through Visa and Mastercard's wholesale interchange cost (set by the card networks and identical for everyone) and adds a fixed, fully disclosed processor markup — for example, interchange + 0.25% + $0.10. Flat-rate processors like Square, Stripe, and PayPal bundle that wholesale cost into a 2.6–2.9% headline rate and keep the spread. For any business processing $15,000+ per month, interchange-plus typically saves 0.4%–1.2% of total volume.

Question 4

Are there any hidden fees, contracts, or cancellation penalties?

Accepted Answer

No. Processing Bros operates on month-to-month agreements with zero early termination fees, no monthly minimums, no PCI non-compliance fees, no batch fees, and no statement fees. Every line item on your statement is disclosed in plain English. You either own your hardware outright or qualify for our Free Terminal Program with $15,000+/month in processing volume.

Question 5

How quickly can I switch processors and start saving?

Accepted Answer

Underwriting and approval typically complete in 24–48 hours for low-risk merchants. Hardware ships overnight and setup takes about 15 minutes with our team on the phone. You begin saving on the first batch — there is no parallel processing period. Most merchants see the full savings reflected on their first complete monthly statement.

Zero-Fee Merchant Processing Solutions Built for High-Volume Commerce

Fully Compliant Cash Discount Program

Transparent Merchant Services Pricing

Fast Merchant Account Approval

Always-On Support Guarantee

Merchant Services South Florida – How We Help You Save

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