Fees, covered.
Cash discount processing
Accept Visa, Mastercard, Amex and Discover without card fees eating into every sale. The card price covers the processing cost; some plans include a flat monthly fee.
Free See what your card fees really cost →
Stop eating
Stop eating
your card fees.
With a cash discount program, card-paying customers cover the processing cost at checkout, so it stops coming out of your margin.* Accept all major cards and wallets, with a real person to call.
Keepwell Payments, LLC is an independent payments agency, not a bank or payment processor. Accounts are set up with a payment processor we partner with, named before you sign, and are subject to approval.
*With a cash discount program, customers who pay by card pay a posted card price, and customers who pay cash pay less. The difference covers the per-transaction processing cost. Some plans include a flat monthly software or equipment fee, which we show you before you sign. Programs must follow card network rules and applicable state law. †Deposit timing depends on approval, your funding schedule and batch cutoff times.
- No upfront setup cost on most plans
- Card fees covered at checkout*
- Next-business-day deposits available†
Illustrative example of a terminal showing card and cash prices; not actual results.
Accept the ways your customers pay
VisaMastercardAmerican ExpressDiscoverApple PayGoogle PaySamsung PayACHTap to PayVisaMastercardAmerican ExpressDiscoverApple PayGoogle PaySamsung PayACHTap to Pay
Brand names are trademarks of their respective owners; no endorsement implied.
Cash discount program
Card fees? Covered at checkout.*
With a cash discount program, card fees are covered at checkout instead of coming out of your margin. We help you set up the pricing, signage and receipts to card network rules and applicable state law.
*Some plans include a flat monthly software or equipment fee, shown before you sign.
Show two prices
Your register shows a card price and a slightly lower cash price. We help you set up signage and receipts to card network rules and state law.
Customers choose how to pay
Card customers pay the card price, and cash customers save. It's the same idea as two prices at the gas pump.
Your terminal handles it
The math happens automatically on every sale. Your staff doesn't have to do anything different.
Your margin stays yours
The card price covers the per-transaction processing cost, so it doesn't come out of your margin. Any monthly plan fee is shown before you sign. Deposits can arrive as soon as the next business day, subject to approval and your funding schedule.
Solutions
Everything you need to get paid. Nothing you don't.
Modern POS
Countertop and handheld systems with inventory, tips and reporting.
Next-day deposits†
Funds as soon as the next business day, not days later.
†Subject to approval, your funding schedule and batch cutoff times.
Mobile & tap-to-pay
Take cards anywhere with your phone or a pocket reader.
Real human support
A direct contact who knows your business, not a call center.
Online & e-commerce
Secure checkout for your website, online ordering, Shopify and WooCommerce.
Invoicing & text-to-pay
Send a link and get paid in minutes.
ACH & B2B
Low-cost bank payments and recurring billing.
Pricing options
Three ways to stop overpaying.
Cash discount, credit surcharge or interchange-plus. The right fit depends on your business. A free review can show which one may cost you less, and if your current setup is already a good deal, we'll tell you that too.
Cash Discount
Card price covers it*
- Dual pricing for card and cash
- Per-transaction fee covered by the card price; flat monthly plan fee may apply
- Help with signage and receipts, set up to card network rules
Best for restaurants, auto shops, salons and retail
Credit Surcharge
Credit only
- A surcharge on credit cards, capped at the lower of your cost of acceptance or the card network limit
- Never applied to debit or prepaid cards
- Requires advance notice to the card networks and your processor, plus clear disclosure to customers; available only where state law allows
Best for contractors, B2B and large tickets
Interchange-Plus
Network cost +
- Card-network cost plus one disclosed markup
- No tiers. Every fee listed in your proposal before you sign.
- A statement that's easier to check
Best for medical, professional and high volume
*Under a cash discount program, card-paying customers pay a posted card price that covers the processing cost. Some plans include a flat monthly software or equipment fee. Programs must follow card network rules and applicable state law, and availability varies by state. Your pricing and every fee are confirmed in writing before you sign. Merchant accounts are subject to approval.
Industries
Built for businesses that run on cards.
Restaurants
Tips, online ordering and fast tableside checkout.
Auto shops
Big tickets mean big card fees. A cash discount program can move them to checkout.*
Medical & dental
Patient payments and payment plans.
Contractors
Get paid on site with mobile and text-to-pay.
Retail
Fast lines, inventory, and all major cards and wallets.
Salons & barbers
Booking-friendly checkout with tipping.
Professional services
Invoicing, ACH and recurring billing.
Your business
If you accept cards, we'd be glad to take a look. Ask us.
The Keepwell promise
Payments that work for the owner.
This industry is known for teaser rates and fees that creep up later. We built Keepwell to do the opposite: we're an independent payments agency that finds the right setup for your business and explains every fee up front.
01
Low or no upfront cost
Many plans have no upfront setup cost. Monthly software fees may apply, and any plan fee is shown before you sign.
02
No surprises
Every fee and contract term is explained before you sign.
04
Built to the rules
We help you set up signage, receipts and programs to card network rules and applicable state law.
Do card fees really stop coming out of my margin?
With a cash discount program, the per-transaction processing cost is covered by the difference between your posted card price and your cash price, so it doesn't come out of your margin. That isn't the same as "no cost": customers who pay by card pay the card price, and some plans include a flat monthly software or equipment fee. We'll show you every fee that applies to your business, in writing, before you sign.
Is cash discounting legal?
In most states, yes, when they're set up correctly with clear signage, receipts and pricing display. Rules vary by state and can change, so we help you set up your program to card network rules and applicable state law. Your business remains responsible for running it correctly, and this isn't legal advice.
What's the difference between cash discount and surcharging?
A cash discount program posts a card price and a lower cash price, and it applies to all card types. A credit surcharge adds a fee only to credit card transactions. It's capped at the lower of your cost of acceptance or the card network limit, requires advance notice to the card networks and your processor and clear disclosure to customers, can never be applied to debit or prepaid cards, and isn't allowed in every state. We'll help you figure out which one, if either, fits your business.
Do I need to pay anything to get started?
Most plans have no upfront setup cost to get started. Depending on your plan, monthly software, equipment or other fees may apply once you're live. We'll list every one in writing before you sign.
Will my customers mind?
Many shoppers have seen card and cash pricing at the gas pump. Every customer base is different, so clear signage matters, and we'll help you post the card and cash prices plainly so nobody is surprised at the register.
Can I keep my current equipment?
Sometimes. Some terminals can be reprogrammed. If you need new equipment, we'll go over your options before anything changes.
How fast can I switch?
Timing depends on approval, equipment and setup. We'll give you a realistic timeline up front and schedule the switch around your hours to keep disruption to a minimum.
Get started
Let's put your fees on the table.
Tell us about your business and we'll reach out within one business day with your options. A review is free, and there's no obligation.
Already have a statement? Upload it here.
Keepwell Payments, LLC is an independent payments agency, not a bank or payment processor. Accounts are set up with a payment processor we partner with, named before you sign, and are subject to approval.
- 1Tell us about your businessTakes about two minutes.
- 2Get your optionsWe'll recommend the setup we think fits best, with every fee in writing.
- 3Go liveWe help coordinate setup, equipment and training with your payment processor.