Stop Paying Credit Card Processing Fees. Keep 100% of Every Sale.
We set up a fully compliant cash discount program and your processing fees drop to zero. No contract, no monthly fees, and you can cancel any time at no cost. Backed by nationwide processors, delivered by one person who answers the phone.
What Are Processing Fees Costing You?
Based on a typical 3.5% effective rate. That is money you stop handing over, and there is no monthly fee coming out of it.
Find Out Exactly How Much You'd Save
Tell us a little about your business and we will send back a line-by-line breakdown of what you pay now against what you would pay with us. Have a recent processing statement? You do not need it to start — we will ask for it by email once you submit. No meeting required, no obligation, no pushy follow-up.
No Contract. No Monthly Fees. Cancel Any Time.
Most processors make you sit through a meeting before they will tell you this. Here it is up front.
- Standard cash discountThe card price is 4% above the cash price. Your customer covers it, and your processing fees go to zero.
- 4%
- Split pricingPrefer to share the cost? You and your customer can split it however you like, as long as the two halves add up to 4%.
- Your call
- Monthly and annual feesThere is no program fee, no statement fee and no annual fee. Not discounted for a year, not waived on condition. There is nothing there.
- None
- Contract and cancellationMonth to month. Walk away whenever you like and there is no early termination fee waiting for you.
- None
- Your first terminalFree for most businesses. Anything beyond that is either free or a low monthly lease paid out of your processing, quoted before you agree to it.
- Free
- ApprovalAs fast as 24 hours when we have your paperwork up front, including three months of processing statements.
- 24 hours
Nothing to sign, nothing to escape
There is no contract. No three year term, no auto-renewal, and no early termination fee. If the program stops working for your business, you tell us and we unwind it. That is the entire arrangement.
Plenty of processors lock merchants in precisely because they expect you to want out. I would rather earn next month than trap you into it.
Call me in a year because it is still working, not because a document says you have to.
Adam FoutOwner, DFW Pay Pros
Already processing somewhere else? Send three months of statements and we will show you the line-by-line comparison, including whether a traditional processing rate would serve you better than the cash discount program. Sometimes it does, and we will tell you so.
How the Cash Discount Program Works
Your point of sale shows two prices: a cash price and a card price. Customers who pay cash pay the lower price. Customers who prefer the convenience of a card pay a small service amount — typically under a dollar on a $20 ticket — which covers the processing cost that used to come out of your pocket.
Either way, you keep 100% of your listed price. The terminal does all the math automatically, and we provide the compliant signage and receipts, so checkout doesn't change for you or your staff.
Thousands of businesses across the country — restaurants, auto shops, salons, medical offices — already run on this model. Your customers see it every day at gas stations: one price for cash, one for card. Nobody blinks.
A two minute walkthrough of exactly how the pricing works at your counter.
The Hardware, and What It Costs You
Countertop terminal, handheld, or a full point of sale. Most businesses get their first terminal free. Anything beyond that is either free or a low monthly lease paid out of your processing rather than out of your bank account, and you see the number before you agree to it.
Valor VL550
Chip, tap and swipe on the counter, with your cash discount pricing already programmed in.
Clover Station
The full counter setup for busier floors, with a customer-facing screen.
Clover Mini
Point of sale capability in a countertop footprint, for counters without the room.
Clover Compact
A smaller countertop unit for tight spaces and lower ticket counts.
Clover Flex
Takes payment away from the counter: at the table, in the truck, or on the job.
Whatever your counter needs
PIN pads, receipt and kitchen printers, barcode scanners, cash drawers, and mobile readers. Tell us how you take payments today and we will spec the setup around it.
Ask what your setup would costA Recent Google Review
Working with DFW Pay Pros was a great experience. Adam worked with us nonstop to get things set and working. His help was crucial to getting things set up.
Frequently Asked Questions
The honest answers to the questions every business owner asks us.
Is this approved by Visa and Mastercard?
Yes. The program is built to meet the published requirements of Visa, Mastercard, Discover, and American Express. Compliance comes down to three things done correctly: the signage posted at your point of sale, the way pricing appears on the customer receipt, and how your terminal is programmed. We handle all three, and we keep your setup current as the card brands update their requirements.
Will my customers push back?
This is the #1 concern we hear, and the honest answer is: far less than you'd expect. The amount is small — under a dollar on a typical $20 ticket — prices are posted clearly up front, and anyone can avoid it entirely by paying cash. Customers already see this model every day at the gas pump.
Does it cover debit cards too?
Yes — the program eliminates your fees on both credit and debit transactions.
What about tips and refunds?
Both work exactly as they do today. The terminal handles all the math automatically — your staff doesn't calculate anything.
Do I need new equipment?
We provide a terminal pre-programmed for the program — free placement for qualifying businesses, and most of our merchants qualify. POS systems and additional equipment are also available.
What does it cost me?
Your processing fees go to zero and nothing replaces them. There is no monthly program fee, no annual fee, no contract and no cancellation fee. Your first terminal is free for most businesses, and anything beyond that is either free or a low monthly lease paid out of your processing, quoted before you agree to it. The savings analysis is free too, so you will see every number before you decide anything.
Does it work for online or invoiced payments?
Yes — we support countertop terminals, POS systems, and invoicing, so the program can follow you wherever you take payments. Tell us how you get paid and we'll map it out in your analysis.
How fast can I get started?
Most businesses are up and running within days of approval. Your equipment arrives pre-programmed, we handle the configuration, and your fees stop the day you start processing.
Independent, So We Work for You
DFW Pay Pros is an independent sales organization. We are not a card processor ourselves, and that is exactly the point.
We partner with a range of nationwide processors, companies with decades in this industry and the infrastructure, security, and buying power that comes with that. Because we are not owned by any one of them, we can place your account with the one that genuinely fits your business, and negotiate on your side of the table instead of theirs.
That is where the competitive rates come from. It is also how a small shop can offer you enterprise-grade equipment and same-week installation.
What you get from us is the part a large organization cannot give you: one person who knows your name, your business, and exactly how your terminal is set up. No ticket number, no queue, no being handed to whoever picks up next.
Services Built to Save You Money
Everything you need to eliminate processing fees and start keeping more of what you earn.
Zero Processing Fees
The cash discount program eliminates your credit card processing fees. You keep 100% of every sale.
Free Terminal Placement
Free terminal placement for qualifying businesses — and most of our merchants qualify. We'll confirm in your free savings analysis.
Seamless Setup
Getting set up requires very little work on your part. We handle the entire installation and configuration process. Minimal downtime, zero hassle.
Full Compliance
Your signage, receipts, and terminal programming are configured to the published requirements of Visa, Mastercard, Discover, and American Express. We set it up correctly and keep it current as those requirements change.
Free Savings Analysis
Send us a recent merchant statement and get a line-by-line breakdown of what you pay now against what you would keep with us. We compare across our processor network, so the number is the best one available to you.
One Point of Contact
The processing runs on national infrastructure. The support does not. You get the same person every time, who already knows your business and your setup.
How It Works
Getting started is quick and easy. Here's how you start saving fast.
Free Savings Analysis
Send us your current merchant statement — or just your monthly volume — and get a complete breakdown of your savings.
Custom Plan
Get a cash discount program tailored specifically to your business type and transaction volume.
Get Your Equipment
Pre-programmed equipment ships directly to your location — we handle the setup.
Start Saving
Your processing fees drop to zero, and you start keeping more of your hard-earned revenue immediately.
Industries That Benefit Most
The cash discount program works for virtually any business that accepts credit or debit cards.
Prefer to Talk It Through?
Tell us when to call and we'll walk you through exactly how the program would work for your business — a free 15-minute conversation, no pressure, no obligation. And remember: every month you wait is another month of fees.