Compliancy

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

Cash Discounting & Surcharging States

Credit-Card-Surcharge-Map

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

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.

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How Does Cash Discounting 
& Surcharging Work?

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Breakdown

  • 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.

100% Compliant

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

    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 or debit 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

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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.
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“They charge 4% to my customers so I don’t have to pay anything. If a customer purchases $10 worth of goods, I receive $10. This is one amazing service and it’s completely free for merchants!”
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“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.”
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“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.”
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“Food & labor costs are constantly increasing. Swipe4Free helped us recover those increased costs by eliminating our credit card processing fees instantly.