The cash discount program was developed to allow business owners to pass the cost of processing cards to their customers. The business posts a sign that states all advertised prices are cash prices, and a 4% non-cash adjustment will be applied for paying with a card rather than cash. Therefore, the price of the transaction will be 4% more unless they choose to pay with cash. The terminal will automatically add the 4% and the merchant will collect that amount on the transaction. By doing so, this maximizes the businesses savings, effectively eliminating nearly 100% of their processing fees. The goal is to urge customers to pay with cash rather than card so that fees are eliminated for the merchant and customers can save by paying cash. Customers using a debit card with PIN will also receive the cash discount. The result is that you will pay no fees for processing credit cards.