Watch this 5-minute video to see exactly how PaybotX's cash discount program works and why 16,000+ businesses trust us.
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How Cash Discount Works
Legal, compliant program used by 16,000+ small businesses
Browse Terminal Options
See the full catalog with detailed specs and pricing
Real Business Case Studies
See actual savings from restaurants and retail stores
Complete Program Details
Compliance, setup process, and ongoing support
No contracts, no processing percentage taken from your sales. We come to you, install everything, train your staff, and get you running — setup is free. Your investment is your terminal equipment (owned outright) plus a small monthly software fee depending on your terminal and plan.
Select the terminal that fits your business — you own it outright, with a small monthly software fee.
Countertop Card Terminal
A reliable, straightforward countertop terminal. Great for businesses with a fixed checkout station — fast, simple, and easy for staff to use from day one.
🎉 $10/mo fee waived for all new merchant accounts approved 12/04/25 or later (first TPN only)
All-in-One POS System
A full POS system in a compact form. Great for businesses that need inventory management, reporting, and a sleek customer-facing display alongside payment processing.
Monthly software plans vary by use case:
We'll recommend the right plan for your business during setup.
High-Risk Merchant Rate — Up to $100/mo
Businesses processing under $10,000/month in card volume, or owners using an ITIN instead of an SSN, are classified as high-risk merchants and may be subject to up to $100/month in fees. If this applies to you, we'll discuss your specific rate during the consultation — many high-risk merchants still save significantly compared to traditional processors.
Based on your calculated savings
Terminal Cost
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Monthly Fee
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Payback Period
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Year 1 Net Profit
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Your prices stay exactly as they are. When a customer pays with a credit or debit card, a small convenience fee is added at checkout — this covers the cost of card processing. Customers who pay with cash pay your regular price with no fee. The terminal displays this clearly at the point of sale, and compliant signage is posted at your register as required by card networks. This model is fully legal and is used at gas stations, utilities, medical offices, and tens of thousands of small businesses across the country.
Quick Example — 4% convenience fee
Customer pays cash
$20.00
Your regular price
Customer pays card
$20.80
$20.00 + 4% convenience fee
Your PaybotX terminal is pre-programmed to automatically display the correct price based on how the customer pays. You don't need to retrain staff on complicated workflows — the terminal does the math. When a card is tapped or swiped, the standard price is charged. When cash is handed over, the discount is reflected automatically.
Instead of Square or Stripe taking 2.9% out of every transaction, PaybotX processes your card payments and the small convenience fee charged to the customer covers the interchange cost. You keep 100% of your sale price. The only costs on your end are the one-time terminal purchase and a monthly software fee — no percentage ever leaves your revenue.
We come on-site, install and configure your terminal, integrate with your existing POS if applicable, post the required compliance signage, and train your staff. Most businesses are fully running within 30–45 minutes. After setup, PaybotX's support team is available 24/7 through the platform — and we're personally available for 60 days to make sure everything is running smoothly.
Book a free 15-minute strategy call to get your custom savings analysis
Small Businesses Trust Us
Years in Business
Processing Fees