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 flat monthly software fee starting at $19.95, this eliminates roughly 95% of traditional per-transaction processing costs.

Question 3

Why does Dual Pricing save more than flat-rate processors like Square or Stripe, or even traditional interchange-plus pricing?

Accepted Answer

Flat-rate processors like Square, Stripe, and PayPal charge every sale a 2.6–2.9% headline rate regardless of payment type. Traditional interchange-plus pricing improves on that by passing through Visa/Mastercard's wholesale interchange cost plus a disclosed markup — but the merchant still absorbs a processing cost on every card sale either way. Dual Pricing works differently: a small, compliant service fee (typically 3.5–4%) is added at checkout only when a customer chooses to pay by card, so the merchant isn't the one covering it. Combined with a flat monthly software fee starting at $19.95, this is how Processing Bros merchants eliminate roughly 95% of traditional processing costs instead of just shaving a fraction of a percent off them.

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 finance it through flexible, disclosed lease terms.

Question 5

How quickly can I switch processors and start saving?

Accepted Answer

Underwriting and approval typically take 24 hours to a week depending on business type and risk profile. 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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