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

Cash Discounting & Surcharging States

CashDiscount Surchage Map Swipe4Free 5

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, in  2022 there are now only 4 states that do not allow surcharging. As of 2023, Connecticut, Maine, Massachusetts, and Oklahoma are the only states that still do not allow merchants to apply surcharging fees. Previously states such as Texas, Colorado, and New York banned surcharging, but these states found in favor of the merchants, taking their side in the battle against credit card processing fees.


How Does Cash Discounting 
& Surcharging Work?

  • The merchant enters the sales amount
  • The terminal automatically calculates the service charge (maximum 4%) on credit card transactions
  • The customer swipes / inserts their card
  • The receipt clearly breaks down sales and service 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 on credit card sales.
  • Swipe4Free uses the service charge to cover interchange costs, authorization costs, transaction costs, and support.

Cash Discount Rules

Compliance Rules

  • Merchant must display signage at the following:
  • Merchant’s point of entry (in-store & online)
  • Point of transaction (payment location & check out page)
  • Charge to customer cannot exceed 4% and cannot be called a “Fee”
  • Non-Cash Charge must be shown:
  • Separately on the front of the receipt
  • In same font & size as other wording on the transaction receipt


    Swipe4Free provides Signage Stickers to be placed at point of entry and register in-store and a disclaimer for online stores.
    Swipe4Free will never assess a charge greater than 4% on any credit card transaction even on sales under $10.00
    The Swipe4Free receipt clearly displays “Non-Cash Charge” separately and in the same size and font as other text on the receipt.

Why Choose Swipe4Free?

100% Compliant

Processing Made Easy
Simplified Accounting
Easy Capital
Businesses that join Swipe4Free see an immediate increase in profit as a result of the savings from eliminating their processing bill. These savings are being used to cover payroll increases as a result of minimum wage hikes, rent and utility increases, increases in cost of merchandise, and much more.
“My terminal clearly shows the cash price and card price making it easier for me and my customers to see the savings when paying with cash. If a customer purchases $10 worth of goods, I receive $10. This is one amazing service and it’s completely free for merchants!”
“My family’s cost of living was going up and I needed to increase the amount of money I took home. Swipe4Free allowed me to instantly increase my profits and cover my family’s overhead.”
“Thanks to Swipe4Free. I’m able to manage higher minimum wage laws for my employees without having to reduce their hours or downsize my staff.”
“Food & labor costs are constantly increasing. Swipe4Free helped us recover those increased costs by eliminating our credit card processing fees instantly.