Traditional credit card processing fees can take a substantial bite out of profit margins—especially for small and mid-sized businesses. At SwipeLogic, our cash-discount model allows merchants to legally offset those fees by offering a discount to customers who pay with cash. This simple shift can translate into tens of thousands of dollars in annual savings.

YES! The legal foundation of cash discounting stems from the Durbin Amendment in the Dodd-Frank Act of 2010, which explicitly permits merchants to offer discounts for non-card payments reducing their payment processing costs. With this protection in place, businesses can confidently implement the program knowing it is federally compliant and enforceable in all 50 states. To be compliant, signage advising customers of the cash discount program must be visible at the entrance to the business as well as at each point of sale/register. SwipeLogic provides the necessary signage to each client. 

We completely understand that you may be under contract with your current payment processor. However, it’s important to evaluate the true cost of staying locked into that agreement. Most early termination fees range between $200 and $500—a one-time expense that, when compared to the monthly savings SwipeLogic can deliver, often pays for itself within the first 1 to 2 billing cycles.

Our team will perform a side-by-side cost analysis to show you exactly how much you’re currently paying versus what you could be saving each month by switching to our Cash Discount Program. In most cases, businesses discover they’re losing thousands each year in processing fees—money that could be reinvested in growth, staffing, or operations.

More importantly, SwipeLogic offers something many processors don’t: transparent pricing, zero long-term contracts, local support, and a legally compliant solution to eliminate processing costs altogether. That means switching now isn’t just a smart financial move—it’s a long-term strategy to strengthen your bottom line.

Let us show you the numbers. Once you see the savings in black and white, the choice becomes clear.

We completely understand—it’s a common concern. You’ve made an investment, and naturally, you want to see value from it. But let’s look at the bigger picture: while your equipment purchase may have been a one-time expense, credit card processing fees are ongoing and recurring—month after month, year after year.

Here’s why switching to SwipeLogic can still make financial sense:

✅ Your Equipment vs. Your Savings

If your business is paying 3–4% in processing fees, you're likely losing hundreds—if not thousands—of dollars every month. For example, if you’re processing $30,000/month at 3.5%, that’s over $1,000 per month in fees. Even if you spent $1,000 on equipment, we can help you recover that cost within a single month—and every month after that is pure savings.

✅ Our Equipment Options Work With You

In some cases, your existing hardware may be compatible with our system—or we can offer you new, fully compliant equipment using the savings you'll gain through the cash-discounting model. And unlike many other processors, SwipeLogic never locks you into long-term contracts.

✅ Long-Term Gains

Think of it this way: would you hold onto a car that costs you $1,000 a month to maintain just because you bought it last year? Your payment system should work for your bottom line—not against it. Switching now means reclaiming those lost fees, increasing cash flow, and taking control of your margins.

We’d be happy to review your current setup and provide you with a savings analysis. Once you see the numbers, the decision to switch often speaks for itself.

Great question—and one we hear often.

The truth is, most customers don’t object when the program is communicated clearly and respectfully. When your signage is visible, your team is trained with a simple explanation, and the receipt clearly reflects the pricing, it becomes just another accepted part of doing business—much like sales tax or service fees.

In fact, here’s what we’ve found in real-world feedback:

Most customers continue to use their card anyway—even when they’re aware of the additional fee. Convenience often outweighs concern.

Cash-paying customers appreciate the discount, and many see it as a fair and honest pricing structure.

Customers increasingly expect transparency, and when they understand the cost of credit card acceptance, they’re more accepting of models that reflect that reality.

This program is already in place at thousands of businesses across the U.S., from local cafes to service-based enterprises. It’s compliant, predictable, and—when implemented correctly—rarely causes friction at checkout.

What’s more, the small percentage of customers who may question it often change their mind once it’s explained that it helps keep prices lower overall, rewards cash-paying customers, and ensures the business can continue offering high-quality service without raising costs for everyone.

Greg Chandler, a long-time San Antonio resident with over 25 years of experience in customer-facing roles across various industries, founded SwipeLogic to empower businesses with innovative, cost-effective payment processing solutions. Recognizing the challenges many small and mid-sized businesses face—such as high transaction fees, complex POS systems, and evolving consumer payment preferences—Greg launched SwipeLogic as a business-to-business platform focused on solving these critical issues.

SwipeLogic specializes in delivering tailored payment solutions that streamline operations, enhance customer experiences, and eliminate unnecessary processing costs. Through personalized consultations and a deep understanding of client needs, Greg and his team work directly with business owners to implement systems that support contactless, swipe, tap, and chip transactions—ensuring compatibility with today’s diverse payment environment.

By fostering long-term partnerships and providing hands-on support, SwipeLogic continues to be a trusted partner for merchants seeking transparent, technology-driven payment solutions that scale with their business.