Cash Discounting & How Swipe4Free Implements It
                     Cash Discounting & 
How Swipe4Free 
Implements It
B u s i n e s s  o w n e r s  a r e  t a k i n g  a d v a n t a g e  o f  
S w i p e 4 F r e e ’ s  c a s h  d i s c o u n ti n g  p r o g r a m ,  a s  i t ’ s  
a  g r e a t  w a y  t o  r e d u c e  c o s t s ,  e s p e c i a l l y  i n  t h i s  
ti m e  o f  C o v i d - 1 9 .
How Businesses Are 
Saving with Swipe4Free 
Cash Discounting
• For almost two years now, Covid-19 has disrupted every 
aspect of human life. And these days, small businesses 
throughout the United States are still reeling because of 
Covid-related cost increases, restrictions, and revenue loss.
• In this time where small business budgets across the U.S. 
are strapped, many business owners are seeking ways to 
reduce costs, as one can’t easily predict consistent 
revenue for the time being. One popular option is the cash 
discount program offered by Swipe4Free.
• Cash discounting programs have been around for about a 
decade, and they’re an alternative to the surcharge that a 
lot of merchants assess when a customer pays with a 
credit card. Small businesses are using cash discounting to 
offset Covid-19 cost increases, loss of revenue, and 
increase labor costs. Here’s how!
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How Does Cash Discounting 
Work?
• ash discount programs, like the one offered by 
Swipe4Free, were created so customers felt 
encouraged to use payment methods other than 
credit and debit cards. Cash and check are the 
two main payment alternatives, and when a 
customer pays with either, the cash discount is 
applied at the time of sale.
• The foundation of the cash discount model is a 
small fee that’s charged when a customer 
purchases a product or service from a business 
that’s implementing a cash discount program. 
Established in 2015 by founders Leo Vartanov and 
Chris Benabu, Swipe4Free allows merchants to 
pass their credit card processing fees along to the 
customer by implementing a 4% non-cash charge 
to all customers who pay with credit/debit cards. 
• In exchange for their flat fee, Swipe4Free will 
cover all credit card charges for the merchant. 
This system eliminates back-end accounting as 
well as complex statements. In this way, 
cash discounting programs don’t just save 3
businesses money but time as well.
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Cash Discounting vs. Surcharge
• Surcharges are fees that are added to the 
price of goods and services when the 
customer pays with a credit card, and 
usually these are assessed after tax. 48 
states allow surcharges at present, and 
these can’t be assessed to debit cards. Cash 
discounting programs, while they utilize 
some aspects of the surcharge system, are 
more beneficial, to both customers and 
merchants, than surcharges.
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What Cash Discounting Savings 
Can Be Used For
• Across the board, prices are rising, and in certain 
lines of business costs are squeezing already thin 
profit margins. Cash discounting is great for 
businesses that have experienced Covid-related cost 
increases, as with cash discounting programs there’s 
no paying an exorbitant amount in credit card fees.
• To be able to take credit cards, businesses have to 
pay almost a dozen different fees. Not with cash 
discounting. A company like Swipe4Free will take care 
of those fees and instead charge their customer a flat 
fee that’s significantly lower than what was being 
charged prior. This way, the business can redirect the 
saved capital and use it to pay for increased labor 
costs and/or make up for revenue shortcomings
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Thank You.
Swipe4free
1.855.345.0040
[email protected]
www.swipe4free.com