Florida’s 2025 Guide to Cash Discount Programs: Legally Eliminate Your Credit Card Fees with MidaPOS

What Is a Cash Discount Program?

A cash discount program is a legally approved way for Florida businesses to offset the cost of credit card processing by offering a discount to customers who pay with cash. Rather than raising prices across the board, merchants display prices with the cash discount built-in and apply a non-cash adjustment at checkout for card payments.

Why Florida Businesses Are Switching in 2025

Rising Credit Card Fees: Interchange rates continue to increase, cutting into small business profits.
Better Customer Awareness: Consumers now understand fees and prefer transparency.
Legal & Simple Setup: Programs like MidaPOS provide everything needed to stay compliant.

Is It Legal in Florida?

Yes. When implemented correctly, cash discount programs are fully compliant with federal and Florida state laws. You must ensure the following:

Requirement	Description
Clear Signage	Notices at the entrance and point of sale must disclose the program.
Receipt Transparency	Receipts must reflect both the non-cash adjustment and the cash price.
POS Configuration	Your system must calculate fees and discounts automatically.

How Much Can Florida Merchants Save?

Let’s break it down:

Monthly Card Volume	Estimated Fees Without Program	Potential Annual Savings
$20,000	$600	$7,200
$35,000	$1,050	$12,600

Why MidaPOS?

MidaPOS helps Florida business owners implement a cash discount program the right way — legally, clearly, and without friction. Features include:

✔️ Compliant POS configuration
✔️ Pre-made legal signage
✔️ Transparent receipts for customers
✔️ Full support from setup to service

Ready to Save?

Start eliminating your credit card fees the legal way and put those savings back into your business. Get started now with MidaPOS.

How to Talk to Customers About the Program

Many business owners hesitate to implement a cash discount program because they’re unsure how customers will react. In truth, clear communication makes all the difference. Here are some tips:

Be upfront: Let customers know there’s a built-in discount for paying with cash — most appreciate transparency.
Use simple signage: Terms like “Non-cash adjustment” and “Cash price” avoid confusion and maintain clarity.
Train your staff: Ensure employees are ready with clear, friendly explanations.

Cash Discount vs. Surcharge — What’s the Difference?

This is one of the most misunderstood areas in merchant processing. A surcharge adds a fee to credit card transactions. A cash discount, on the other hand, offers a reduced price for cash payments.

Cash Discount	Surcharge
Discounts cash payers	Adds a fee to card payers
Legal in all 50 states (when done right)	Illegal in some states, including Florida
Better customer perception	More likely to cause friction

Top Mistakes to Avoid

Many businesses attempt to implement a cash discount program but make critical errors. Here’s what to watch out for:

Using non-compliant equipment: Your POS system must be able to calculate and label fees correctly.
Hiding fees: Lack of signage or unclear receipts can lead to chargebacks and legal risk.
Applying fees to debit cards: This violates network rules — our system prevents it automatically.

Industries That Benefit the Most

While any business can benefit, cash discount programs are especially powerful in high-volume and fee-heavy industries:

Retail stores
Smoke shops and convenience stores
Auto repair and detailing
Food trucks and quick service restaurants
Beauty salons and barbershops

Ready to Reclaim Your Margins?

Whether you're running a local retail shop in Tampa or a high-volume business in Orlando, MidaPOS makes the transition easy. We’ve helped dozens of Florida merchants save thousands every year — and we’re ready to help you next.

Apply today, get approved fast, and start saving on every transaction.