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Surcharge & Cash Discount Programs

Surcharge and Cash Discount Programs allow your business to recoup processing costs by passing a portion of the fee on to customers—transparently and legally. It’s a smart way to keep your prices competitive without compromising convenience, compliance, or customer trust.

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Michigan Retailers Association offers a variety of surcharge and cash discount programs to fit your business’ needs, resulting in an average reduction of 75% in credit card processing fees.
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Offset Your Fees with Four Options

We’ll help you determine which option is the right fit for your business.
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Cash Discounting with Dual Pricing

Offer a discount to customers who pay by cash, check, or store-branded gift card in lieu of credit cards. Dual pricing functionality displays both list and cash prices.

Surcharge

Surcharging

Apply a fee to the cost of a purchase for customers who choose to pay by credit card.

 

Check Mark

Convenience Fees

Apply a fee when a customer uses an alternative payment method that isn’t standard for a business.

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Service Fees

Apply a flat or fixed fee to customers for a card-not-present payment. Available to specific government and education sectors.

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What’s Included

  • Streamlined enrollment and setup support from local MRA team members
  • Pre-approved signage to display at the point of sale
  • Compliance guidance to ensure state/federal rules are followed
  • Expert local support from the MRA processing team
  • Ongoing updates as regulations evolve
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Getting Started

We make the process simple and secure. Our team will help you implement the program, train your staff, and make sure you’re compliant from the start.
 
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