Tell Us About Your Business
We'll use this to prepare your free cash discount savings analysis and connect you with a Cobalt specialist.
Program Preferences
A few quick questions help us tailor your recommendation and schedule your free savings analysis.
AVERAGE BUSINESS SAVES
$1,856
per month
$22,269
estimated annual savings*
Based on avg. $49,488/month processing volume
How the Cash Discount Program Works
A completely transparent, legally compliant process that shifts processing costs away from your business — without confusing your customers.
Set Your Retail Price
Your listed prices are set to incorporate the cost of card processing. Customers see one clear, consistent price at all times.
Card Customers Pay Listed Price
When a customer pays by card, a small service fee is applied at checkout — automatically calculated by your Cobalt-configured POS.
Cash Customers Save
Cash-paying customers receive a discount off the listed price. Required signage is provided by Cobalt — clearly posted at the register and entrance.
You Keep More Profit
Processing fees are effectively offset on every transaction. Most Cobalt merchants recover 90–100% of their monthly processing costs.
Your Estimated Savings
| Business Type | Monthly Volume | Est. Monthly Savings | Est. Annual Savings |
|---|---|---|---|
| Small Retailer / QSR | $15,000 | $562 | ~$6,750 |
| Mid-Size Restaurant | $35,000 | $1,312 | ~$15,750 |
| Liquor Store / High Volume | $49,488 | $1,856 | ~$22,269 |
| Multi-Location Merchant | $75,000+ | $2,800+ | $33,600+ |
*Savings estimates are illustrative only based on generalized processing data. Actual savings vary by volume, card mix, and applicable rates.
Legal Compliance — Done Right
Cobalt’s Cash Discount Program is structured for full legal compliance — federally and in all 50 states.
Durbin Amendment Compliant
Our program is structured under the Dodd-Frank Act provisions permitting cash discounting for all card types. This is not a surcharge program.
Clear Customer Signage Provided
Cobalt provides professionally printed point-of-sale signage for entrances, registers, and receipts — required by law and included at no charge.
POS Auto-Calculates Fees
Your Cobalt-configured Clover or compatible POS automatically applies the service fee or cash discount — no manual calculations required by your staff.
