Eliminate 100% of all your business Credit Card Processing Fees Completely with Michael Luchen.

Eliminate 100% of all your business Credit Card Processing Fees Completely. No more interchange, no PCI, Statement or Transaction Fees. Pay $49.99 Cash Discount Program best Part that $49.99 you don't need to sign a contract like others saying $0 which won't stay. Go to bed every night knowing never more that $49.99

Are you ready to completely eliminate your credit card fees? We’ve created a way for you to collect 100% of your sales revenue by passing thru a Cash Discount Fee to customers paying with credit or debit cards.
• Collect 100% of your revenue
• Eliminate monthly processor fees
• Incentivize cash payments
• Won’t disrupt your sales flow
• Robust back office portal
• Next day Funding

What is the Cash Discount Program?

The Cash Discount Program is a way for you as a merchant to offset some or all of your current merchant service fees without increasing your overall rates.  It is a method of implementing a service fee to all customers, while giving a discount to those who pay with cash.  Therefore your posted rates now become the rate for those who pay with cash.  Those customers who pay with cash avoid the services fee and all others will see a line item added to their receipt.  It is our proprietary technology that allows this to happen and keeps you within the guidelines of Visa, Mastercard, and processor regulations.

Is the Cash Discount Program suitable for all businesses?
The Cash Discount Program is most ideal for businesses with low ticket sales, since you are passing your merchant processing fees to your customer. If your business doesn’t fall into this category, we invite you to explore our standard merchant processing offerings.

Is it legal to offer a Cash Discount?
As Mitchell Katz, spokesman for the Federal Trade Commission, said in May of 2011: The Dodd-Frank law prohibits a payment card network such as Visa “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards,” said Katz. “Neither surcharging, nor a cash discount is illegal.”

I heard that it’s illegal to charge a fee if someone uses a credit card?
Until recently, Visa and MasterCard regulations made it clear merchants could not charge more to a consumer who used a credit card over other methods of payment. As a result of a 2013 lawsuit against the card networks, merchants are now allowed to impose
surcharge in all but 10 states and Puerto Rico. We’ll address the surcharge in the next question below.
However, there has always been a stipulation in the Visa and Mastercard regs that allow for a discount when paying with cash.
While this may seem like an issue of semantics, It’s simply adhering to the wording of the Visa and Mastercard regulations that allow the cash discount program to be implemented.
Here’s the verbiage specific to both Visa and Mastercard Rules and Regulations:

From Mastercard Rules 15 November 2016

5.11.2 Charges to Cardholders
A Merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any Merchant discount or any contemporaneous finance charge in connection with a Transaction.

A Merchant may provide a discount to its customers for cash payments.
A Merchant is permitted to charge a fee (such as a bona fide commission, postage, expedited service or convenience fees, and the like) if the fee is imposed on all like transactions regardless of the form of payment used, or as the Corporation has expressly permitted in writing.

From Visa Core Rules and Visa Product and Service Rules – 22 April 2017
1.5.4.14 Discount Offer – US Region and US Territories In the US Region and a US Territory, a Merchant may request or encourage a Cardholder to use a means of payment other than a Visa
Card or a Visa Card of a different product type (e.g., Visa Classic Card, Visa Traditional Rewards Card, Visa Signature Card) than the Visa Card the consumer initially presents. Except where prohibited by applicable laws or regulations, the Merchant may do so by methods that include, but are not limited to:

• Offering the consumer an immediate discount from the Merchant’s list, stated, or standard price, a rebate, a free or discounted product or service, or any other incentive or benefit if the consumer, who initially presents a Visa Card, uses instead another general purpose payment card or another means of payment
• Communicating to consumers the reasonably estimated or actual costs incurred by the Merchant when a consumer uses a particular general purpose payment card or means of payment or the relative costs of using different general purpose payment cards or means of payment
Remember, your stated price now carries a 4% Service Fee, so when you someone pays with cash, they are receiving a discount off of your stated price, not an increase when they pay with credit or other means of payment.

Won’t my customers be upset by this fee and want to go elsewhere?
While nobody wants to pay additional fees, more and more consumers are starting to realize just how expensive it’s been for merchants to accept credit cards. By charging a 4% fee on a sales transaction, that’s a small price for customers to pay for the goods and services you provide. And (if paying that fee or Implementing the Cash Discount Program) allows you to stay in business and keep your overall costs lower, it’s a small price to pay.
In fact, surveys have shown that over 80% of respondents stated they wouldn’t think twice about paying that amount (only $1.00 on a $25.00 transaction) for the convenience of using their credit card rather than carrying cash. And we all know that fewer and fewer of us are carrying cash these days…and everyone loves the rewards associated with their credit cards.

Additionally, we’ve all become accustomed to paying $2-4 when we use an ATM and this cash discount fee is actually cheaper than the ATM fee for most transactions.
If you explain that the Cash Discount program is a way for you to keep providing quality goods and services without increasing your overall prices, most consumers have indicated they understand and are fine with it. And again, a 4% fee on an individual transaction generally has a very small impact to the consumer, but for you, the merchant, your savings are significant.

To Remove 100% of Every Single Last Credit Card Processing Fee Now and Forever Contact The Director of Sales Michael Luchen of WowPayments.com at 929-441-8903 or E-Mail Mike@WowPayments.com to Start Saving Today.

There is No Contract, Cancel Anytime which you will never do because outside of your savings you will be taken care of second to none.