The Nation’s #1 Cash Discounting & Surcharging Platform.

Personalize your plan today in a few simple steps.

Stop Giving Away Your Hard Earned Profits to Your Processor

Get Rid of Your Fees & Keep 100% of Your Revenue

Is Cash Discounting & Surcharging Legal?

Cash Discounting

The Payment Card Interchange Fee & Merchant Discount Antitrust Litigation as well as the passing of laws such as The Dodd Frank Wall Street Reform, The Consumer Protection Act, and The Durbin Amendment have given the power to merchants in all 50 states to implement Cash Discount programs in their brick and mortar locations as well as their online locations. Cash Discounting is now accepted nationwide.


Surcharging is rapidly gaining approval throughout the United States. Originally there were a total of 10 states that banned surcharging, but now there are only 4. As of 2020, Colorado, Connecticut, Kansas, and Massachusetts are the only states that still do not allow merchants to apply surcharging fees. Previously, states such as Texas and New York banned surcharging, but the states found in favor of the merchants taking their side in the battle against credit card processing fees. In January 2019 the state of New York overturned the ban on surcharging.


How Does Cash Discounting 
& Surcharging Work?



  • The merchant enters the sales amount
  • The terminal automatically calculates the 4% Non-Cash Charge
  • The customer swipes / inserts their card
  • The receipt clearly breaks down sales and Non-Cash Charge in both retail and restaurant locations including tip when necessary.
  • The full sales amount goes directly to the merchant. No processing fees are deducted.
  • Swipe4Free uses the 4% Non-Cash Charge to cover interchange costs, authorization costs, transaction costs, and support.

Swipe4Free Integrations


POS Systems

Our complete list of Point of Sale systems perfect for any brick and mortar business type.



Our complete list of terminals perfect for any brick and mortar business type



Our complete list of Swipers perfect for the on-the-go business owner using a mobile device.


Virtual POS & Gateways

Our complete list of Virtual Terminals perfect for online retail businesses and professional services.

Swipe4Free Savings Calculator

What is the Amount of Your Average Credit Card transaction?


How Much is Your Average Credit Card Processing Volume Per Month?


How Much is Your Average Credit Card Processing Bill Per Month?


Your Savings

Your Monthly Processing Cost


Your Savings Per Month​


Your savings per year


$1.60 (4%) Non-Cash Discount Charge To Customer

Merchants Savings Ticker

$ 4 2 9 , 8 8 9 , 9 9 9

Average Monthly Savings for A Merchant Processing $14,000 A Month as of May 2019.

Top Business Types Using Swipe4Free


Delis & Supermarkets

Grocery stores & Supermarkets no longer have to lose customers to Credit Card Minimums and can accept credit cards, regardless of the amount, with no fee.



Eliminate the minimum sale credit/debit card signs and offset increasing minimum wages and food costs through Swipe4Free. No longer do Pizzerias have to worry about decreased profits from processing fees.



Increases in the minimum wage and other costs make it difficult for restaurants to make a profit. Swipe4Free offsets these costs by eliminating their processing bill.


Bars & Nightclubs

Whether it be a VIP/Bottle Service establishment, a bar, or lounge all can benefit from eliminating processing fees. When people are celebrating or out partying, they are unlikely to complain about a small charge when using a card for payment.


Salons & Spas

Beauty Salons love Swipe4Free. Whether it's a manicure or a complete makeover; the amount they charge is the amount they receive.



Retailers are prime candidates for Swipe4Free, because net margins are much smaller compared to other industries. Retailers know that overhead cost, labor, and inventory slims down your margins significantly


Liquor Stores

Using Swipe4Free helps liquor stores recover the profits lost due to increased labor and inventory costs. Swipe4Free has brought increased profit to this industry.


Professional Services

Doctors & Dentists are always complaining about credit card fees, especially when it comes to Co-Pays. Lawyers have no reasons to pay fees when accepting cards for legal retainers. Now, through Swipe4Free they have been eliminated.


Service Industries

Merchants within the service Industry love Swipe4Free. When assisting a customer with needs like Towing, HVAC, Locksmith etc. The customer has no problem paying for the convenience of using their Credit Card in these urgent situations



Thanks to Swipe4Free Wholesalers can now collect payments up front via Credit Card, rather than giving terms. Through Swipe4Free their profit margins are not affected!

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