Keep 100% of Every Sale. Get It in 12 Hours.
A fully compliant cash discount program at the standard 4%, so your percentage processing fees go to zero — and deposits that reach you on a 12-hour cycle instead of the next-day wait most merchants never got asked about. Every account also gets a free consultation with an AI and marketing consultant. No contract, no monthly fee, no annual fee.
The Direct Line Advantage
You made the right call getting your processing fees off your books. What is probably still costing you is the wait to actually see your money, and an agreement you cannot leave. the Advantage Program fixes both, and adds something we have not seen another processor offer.
Your money in 12 hours
A sale is not really a sale until the money is in your account. Twelve-hour funding is standard on this program — not an upgrade, not a fee, and not something you qualify for after six months of history. Most merchants are on a next-day or two-day cycle and were never asked whether that suited them.
A Friday rush that lands Saturday instead of Tuesday changes what payroll week feels like.
A rate you can explain in one sentence
The standard cash discount rate is 4%, and that is what we build on. It is the same figure most programs use, so your customers see nothing unusual and your staff never has to justify it. If your volume and ticket size support a different structure, we will raise it in your analysis rather than advertise a number that may not apply to you.
One number, posted at your counter, the same on every ticket. No tiers, no surprises on the statement.
A free AI and marketing consultation
Every merchant on the program gets a complimentary consultation with an AI and marketing consultant — a working session on where automation and better marketing could actually move the needle in your business.
Included, not an upsell. No software to buy at the end of it.
Switching takes a recent statement and a conversation. Nothing to sign, and the analysis is yours either way.
Get My Free Savings AnalysisNot on a Cash Discount Program Yet?
Then this is what you stand to stop paying. Assuming you pay a typical 3.5% effective rate today. These are the processing fees you stop paying — and with no monthly fee and no annual fee, nothing gets subtracted back out.
Where 3.5% comes from: Stripe’s published 2.9% + 30¢ works out to almost exactly that on a $50 ticket. Your own effective rate is whatever your fees add up to divided by what you ran — it is almost never the rate you were quoted. Send us a statement and we will work out your real number instead of a typical one. That part is free and it is yours to keep either way.
Find Out Exactly How Much You'd Save
Tell us a little about your business — attach a recent processing statement if you have one handy — and we'll send you a line-by-line breakdown of what you're paying now against what you'd pay with us. No meeting required, no obligation, and nothing to sign to find out.
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, 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 receipt setup, so checkout doesn't change for you or your staff.
Thousands of businesses across the country already run on this model — restaurants, auto shops, salons, medical offices, retail. Your customers see it every day at the gas pump: one price for cash, one for card. Nobody blinks.
The part that varies between providers is how big that card price gets. That comes down to the rate the program is built on, and it is where we spend our energy — because a lower rate is better for you and better for the person standing at your counter.
No Surprises: What It Costs and What You Are Signing
Most processors make you sit through a meeting before they will tell you this. Here it is up front.
- Cash discount program rateThe standard rate, and the same one most programs are built on. One number, posted at your counter, identical on every ticket.
- 4%
- Funding speedTwelve hours is standard on the program, against the next-day or two-day cycle most merchants are on. Not an upgrade and not a fee. Your bank still controls when it posts.
- 12 hours
- Traditional processingIf cash discount is not the right fit, we quote conventional processing instead, and it comes in under Stripe’s published 2.9% + 30¢. Not by a landslide — but under it, and on the same 12-hour funding.
- Under 2.9% + 30¢
- Monthly feeNo program fee, no statement fee, no monthly minimum, no PCI fee. Nothing replaces the percentage fees you stop paying.
- $0
- Annual feeNothing lands on your statement in January that wasn't there in December.
- $0
- Contract termThere isn't one. You are month to month from the first day, and you never sign a term agreement to get our pricing.
- None
- Early termination feeThere is no term to break, so there is nothing to charge you for leaving. Tell us and we close it out.
- $0
- EquipmentWe can usually reprogram what you already have. If you do need hardware, you see the price before you decide — it is never bundled in quietly.
- Quoted up front
- Savings analysis and setupThe analysis is free and yours to keep either way. If you come aboard, we handle installation and configuration.
- Free
Why we don't do contracts
Because a three-year term is how this industry protects itself from its own service. If a processor has to lock you in for thirty-six months to keep you, the honest read is that it does not expect to earn month thirteen.
We would rather earn it every month. You stay because the fees are gone and because the person who set up your account picks up when you call.
- No term agreement to sign
- No early termination fee, ever
- No monthly fee and no annual fee
- A dedicated US account manager on every account
Already processing somewhere else? Send three months of statements and we will show you the line-by-line comparison, including whether traditional processing at a competitive rate would serve you better than the cash discount program. Sometimes it does, and we will tell you so.
The Other Number That Costs You: How Long You Wait
Your processing fees can be at zero and your cash flow can still be the problem. Most merchants are on a next-day or two-day funding cycle without ever having been asked whether it suited how their business actually runs.
Next-day, two-day, or “business days” that skip the weekend
Nothing is going wrong when this happens. It is simply how most funding schedules are built, and almost no merchant was offered an alternative at signup.
The cost shows up on a Friday, when a good weekend’s takings sit in transit until Tuesday and payroll is Monday.
Twelve-hour funding, from the first batch
You are on a 12-hour cycle from day one. It is not a tier, not a fee, and not something you earn after six months of clean history.
Your bank still decides the moment it posts. What changes is that the money leaves us on a 12-hour cycle rather than sitting in a batch waiting for the next business day.
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 percentage card processing fees on both credit and debit. You keep 100% of every sale.
No Contract, No Monthly Fee
Month to month from day one. No term agreement, no early termination fee, no monthly or annual fee sitting on your statement.
Free AI & Marketing Consultation
Every merchant on the Advantage Program gets a working session with an AI and marketing consultant — included, not an upsell, with nothing to buy at the end of it.
Full Card Brand Compliance
Your signage, receipts, and terminal programming are configured to the published requirements of Visa, Mastercard, Discover, and American Express — and kept current as those requirements change.
Free Savings Analysis
Send a recent merchant statement and get a line-by-line breakdown of what you pay now against what you would keep with us. Free, no meeting required, and yours whether or not you sign up.
A Dedicated US Account Manager
Every account gets one, based in the US. The same person every time, who already knows your business and how your terminal is configured — no ticket number, no queue, no explaining your setup to a stranger mid-rush.
How It Works
Four steps, and the first two cost you nothing but the time it takes to send a statement.
Free Savings Analysis
Send us your current merchant statement — or just your monthly volume — and get a complete breakdown of your savings.
Custom Plan
We price the cash discount program for your business and transaction volume, and quote traditional processing alongside it — under Stripe’s 2.9% + 30¢ — if that would serve you better.
Get Set Up
Usually we can reprogram the equipment you already have. If you need hardware it arrives ready to run, and we handle the configuration.
Start Saving
Your percentage processing fees drop to zero, nothing replaces them on your statement, and you keep more of your revenue from the first batch.
Industries That Benefit Most
The cash discount program works for virtually any business that accepts credit or debit cards.
Frequently Asked Questions
The honest answers to the questions every business owner asks us.
I am already on a cash discount program. Why switch?
Your processing fees are already gone, so switching is about the two things still costing you. First, the wait for your money: 12-hour funding is standard here, against the next-day or two-day cycle most merchants are on and were never offered an alternative to. Second, what the relationship costs you in flexibility: no contract, no monthly fee, no annual fee and no early termination fee, so nothing holds you if it stops working. Every merchant on the program also gets a free consultation with an AI and marketing consultant.
What rate will my customers see?
The standard cash discount rate is 4%, and that is what we build on. It is the same figure most programs use, so your customers see nothing unusual and your staff never has to justify it: one number, posted at your counter, identical on every ticket. If your volume and ticket size support a different structure, we will raise it in your analysis rather than advertise a rate that may not apply to your business.
How fast do I actually get my money?
Twelve hours is standard on the program. That is the schedule you are on from the first batch, not an upgrade you pay for and not something you qualify for after six months of history. Your own bank still decides the moment it posts, but the funds leave us on a 12-hour cycle rather than sitting overnight waiting for the next business day.
What is the free AI and marketing consultation?
A working session with an AI and marketing consultant, included for merchants on the program. It is about where automation and better marketing could realistically help your business, not a sales pitch for software, and there is nothing to buy at the end of it.
Is there really no contract?
Correct. There is no term agreement to sign and no early termination fee, because there is no term to break. You are month to month from the first day, and if you decide it is not working you tell us and we close it out.
If there is no monthly fee and no annual fee, where is the catch?
There is not one, and the reason is boring: our compensation comes out of the processing itself, not out of a stack of monthly line items. Statement fees, PCI fees, annual fees and monthly minimums are add-ons the industry got used to charging. We do not need them, so we do not charge them.
Is the cash discount program 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 keep your setup current as the card brands update their requirements.
Will my customers push back?
Less than you would expect. The amount is small on a normal 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. It also helps that our rate is lower than most of what we compete against, so the card price your customers see is smaller than it would be on a competitor program.
How do your rates save my customers money?
In a cash discount program the card price sits above the cash price by roughly what the processing costs. A program built on a higher rate puts a bigger number on your customer's ticket. Ours is lower than most of what we go up against, so the gap between your cash price and your card price is smaller. You still keep 100% of your listed price either way.
Does it cover debit cards too?
Yes. The program eliminates your percentage processing fees on both credit and debit transactions.
What about tips and refunds?
Both work exactly as they do today. The terminal handles the math automatically, so your staff does not calculate anything.
Do I need new equipment?
Usually we can reprogram what you already have. If you do need a terminal we will tell you exactly what it costs before you decide anything, and POS systems are available too.
Does it work for online or invoiced payments?
Yes. We support countertop terminals, POS systems and invoicing, so the program follows you wherever you take payments. Tell us how you get paid and we will map it out in your analysis.
How fast can I get started?
Most businesses are up and running within days of approval. Your equipment is programmed before it reaches you, we handle the configuration, and your fees stop the day you start processing.
What if the cash discount program is not right for my business?
Then we will say so, and quote conventional processing instead. There we come in under Stripe's published 2.9% + 30 cents. Not by a landslide, but under it, and on the same 12-hour funding schedule. Your savings analysis compares both against what you pay now, and the comparison is yours whether or not you sign up.
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, and nothing to sign at the end of it. And remember: every month you wait is another month of fees.