Is it legal to offer a discount for cash?

Cash discounts are legal in all 50 states. The Dodd-Frank Act of 2010 explicitly allows merchants to offer a lower price to customers who pay with cash instead of a card.

Cash discounting differs from surcharging. A surcharge adds a fee on top of a posted price for card users. A cash discount reduces the price from a posted card rate. Card networks permit cash discounts but restrict surcharges in certain states.

Merchants must display pricing clearly. Post the card price and the discounted cash price so customers can see both options before paying.

Talk to a local pos provider about setting up a compliant cash discount program at your checkout.