// EmanPay
Cash Discount Program for New York Businesses
A cash discount program lets qualified businesses across Staten Island, New York City, Brooklyn, Queens, Manhattan, the Bronx, and New Jersey pass standard card processing costs into the listed price, while customers paying with cash receive a discount. The result for many merchants is $0 in net processing fees.
// How Cash Discount Works
How Cash Discount Works
Under a cash discount program, your posted prices reflect a small, compliant adjustment for card payments, and customers who pay cash get the discounted price. This is different from a surcharge and, when set up correctly by EmanPay, is fully compliant with card network rules in New York and New Jersey.
// Dual Pricing as an Alternative
Dual Pricing as an Alternative
Dual pricing displays two prices — one for cash and one for card — directly on your menu, register, or invoice, so the cost difference is transparent to customers from the start. Some business types prefer this format because it removes any ambiguity at checkout.
// Is Your Business a Good Fit?
Is Your Business a Good Fit?
Cash discount and dual pricing tend to work especially well for restaurants, retail shops, and service businesses with steady walk-in traffic. During your free rate review, we'll show you the real numbers from your current statement so you can see exactly what you'd save.
// FAQ
Frequently Asked Questions
Is a cash discount program legal in New York and New Jersey?
Yes, when structured correctly. EmanPay sets up cash discount and dual pricing programs in compliance with card network rules and applicable state regulations.
What's the difference between cash discount and a surcharge?
A cash discount reduces the price for cash-paying customers from a card-inclusive list price, while a surcharge adds a fee on top of a cash price for card payments. The two are regulated differently.
Will my customers notice a big change?
Most customers see a small, clearly disclosed pricing difference between cash and card, similar to what they may already see at gas stations.
Can I switch to cash discount without changing processors?
In most cases EmanPay can set this up as part of switching your processing, including the signage and POS programming needed.