Keep your profits | Eliminate Processing Fees | Grow Your Business

Take Control of Your Business.

Fight Back Against Ever-Rising Credit Card Processing Fees.
Eliminate Credit Card Processing Fees Entirely

Pay a small program fee regardless of volume with our Non-Cash Adjustment Program — so you never have to worry about your rates going up.

Keep Your Profits and Grow Your Business

Save thousands of dollars per month when you pass along a small service fee to your customers. Incentivise your customers to use cash to avoid the service fee.

Enjoy Month-to-Month Contracts and No Cancellation Fees

24/7 customer support provided by real people who answer their phones around the clock, so you’re never stuck on hold.

Don’t Take the Hit for Rewards on your Customers Card.

Did you know there’s a direct correlation between rewards on your customer’s credit card and the fees you end up paying?

 

The more rewards on your customers card—the more it costs to accept that card.

 

Watch the video and learn how to avoid paying processing fees—and keep more profits for your business.

Don’t Take the Hit for Rewards on your Customers Card.

Did you know there’s a direct correlation between rewards on your customer’s credit card and the fees you end up paying?

 

The more rewards on your customers card—the more it costs to accept that card.

 

Watch the video and learn how to avoid paying processing fees—and keep more profits for your business.

With rates going up like never before and businesses struggling with inflation—there’s never been a better time to switch your business to a Non-Cash Adjustment Program.
Check out our top industries that commonly use the Non-Cash Adjustment Program:
Retail

Food & Beverage

Lodging

Pay at the Pump

Beauty

Professional Services

Restaurants

Health & Fitness

Property Management

Ecommerce

Attorneys

Transportation

How It Works

Join the ranks of business owners who have decided to fight back against processing fees, and get started today!

  1. Book a 15-minute consultation to get started.
  2. Complete the merchant application and get approved.
  3. Once approved, you’ll receive a new, pre-programmed terminal and signage for your store.
  4. Start processing immediately by terminal, gateway, or website—and forget about paying credit card processing fees on your next month’s bill!
Put Money Back Into Your Bottom Line Without Raising Your Prices.

With processing fees going up like never before, business owners like you are forced to pay outrageous fees to accept credit cards. With PCBancard’s Non-Cash Adjustment Program, you’ll pay $0 to process credit cards—and put that money back into your bottom line, instead.

If you could stop paying processing fees, and pay $0 to process credit cards instead, how would you use that money to grow your business?

The Pizza Guy used the Non-Cash Adjustment Program to pay his employees more and put thousands of dollars back into his bottom line, instead.

Put Money Back Into Your Bottom Line Without Raising Your Prices.

With processing fees going up like never before, business owners like you are forced to pay outrageous fees to accept credit cards. With PCBancard’s Non-Cash Adjustment Program, you’ll pay $0 to process credit cards—and put that money back into your bottom line, instead.

If you could stop paying processing fees, and pay $0 to process credit cards instead, how would you use that money to grow your business?

The Pizza Guy used the Non-Cash Adjustment Program to pay his employees more and put thousands of dollars back into his bottom line.

Common questions:
Here are some of the most common questions regarding Non-Cash Adjustment and your business.

In 2010, Congress passed sweeping financial regulations under the Dodd-Frank Act. One of the later additions to this bill was the Durbin Amendment. The Durbin Amendment established the cash discount program and allowed businesses to incentivize and encourage their customers to pay with cash.

 

You’re losing money every time you process a credit card transaction, but that doesn’t have to be the case. It’s unfair that you have to pay out of your own pocket to satisfy someone else’s convenience. That’s where a non-cash adjustment can help. You can now keep the full percent of your sale by eliminating credit card processing fees with a non-cash adjustment.

 

Non-Cash Adjustment programs are legal in all 50 states per the Durbin Amendment (part of the 2010 Dodd-Frank Law), which states that businesses are permitted to offer a discount to customers as an incentive for paying with cash.

 

We provide you with a pre-programmed credit card terminal for the non-cash adjustment program. You’ll provide notice to your customers via signage that is provided for you.  What’s next? Save! Once you’ve successfully implemented your Non-Cash Adjustment Program, all that’s left for you to do is rejoice when you no longer pay processing fees.

 

The Non-Cash Adjustment Program can help businesses that are impacted by high processing costs save money by virtually eliminating their monthly card processing fees. Implementing a true cash discount program sounds like a no-brainer, but keep in mind that to do so, you’ll need to list credit prices on the shelves. If you’ve already priced your goods and services to account for the cost of credit cards, implementing a Non-Cash Adjustment Program is easy. You won’t need to change your shelf or menu pricing and can simply offer a discount on those prices to cash customers.

 

Yes, your customer’s credit card statement will still appear as it currently does, and your business’s name will be listed on it.

 
In fact, surveys have shown that over 80% of respondents stated they wouldn’t think twice about paying 4% Service Fee (only $1.00 on a $25.00 transaction) for the convenience of using their credit card rather than carrying cash. And we all know that fewer and fewer of us are carrying cash these days…and everyone loves the rewards associated with their credit cards. What’s also important to note is that the due to so many digital transactions and service fees for luxuries that have flooded the economy in the last 20 years, most people have become conditioned to service fees as a simple fact of life and have openly accepted this as “normal”.

For many businesses, the Non-Cash Adjustment Program when marketed appropriately functions as a tool to attract new customers. Most of the customers like the idea of a discount. A properly implemented Non-Cash Adjustment Program rewards those customers who want to pay with cash and receive the discount.

 

People confuse the Non-Cash Adjustment Program with a surcharging program. The cash discount program is NOT a surcharge program, and it is available in all States. The Non-Cash Adjustment Program is a method of implementing an increase in price to all customers while giving a discount to those who pay with cash. Those customers who pay with cash avoid some or if not all (owners discretion) of the price increase. Our technology allows this to happen and keeps you within the guidelines of Visa, Mastercard, and processor regulations.

 
 

No, the Cash Discount program, while seemingly similar, is actually very different, particularly in the eyes of Visa and MasterCard. As mentioned in the preceding Q&A, the 2013 ruling against the card networks resulted in merchants now being able to implement a surcharge in all but 10 states – California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas, plus the U.S. territory of Puerto Rico. Those states claim that a surcharge is not fair to consumers. The Surcharge carries with it several stipulations: Only credit cards may be surcharged – no debit cards Signage must be posted for at least 30 days prior to implementing a surcharge alerting your clientele There is a 4% maximum that can be imposed Surcharging is only allowed in states where the program has not been excluded With the Non-Cash Adjustment Program, these limitations are not in place, as you are not implementing an additional fee for accepting a credit card, you are providing a discount for those who pay with cash. This is a clear distinction.

 
 

One of the most significant aspects of the program is the fact that businesses must display signs that clearly indicate their participation in the program. These signs must not only be in the entryways of the company but at all point-of-sale locations as well. Additionally, businesses must include all monetary amounts associated with the program on the receipts they provide their customers. If there is a credit card processing fee, companies must display this on the receipt. If a customer receives a discount, companies must show this as well.

 
 

When a fee is incorrectly applied to a transaction, an additional fee charged to those consumers using a credit card might be labeled a Surcharge, and that is expressly forbidden by Visa, Mastercard, and the processing provider without taking very specific steps. Additionally, you are forbidden by Visa, Mastercard, and the Processor’s rules to profit on a credit card transaction, which could happen if you accidentally charged more than you were being charged by the processor. The way to avoid this risk is to implement an automated Non-Cash Adjustment Program that is different than a Surcharge. The Non-Cash Adjustment Program is a method of implementing an increase in price to all customers while giving a discount to those who pay with cash. Those customers who pay with cash avoid some or if not all (owners discretion) of the price increase. Our technology allows this to happen and keeps you within the guidelines of Visa, Mastercard, and processor regulations.

 
 

In order to make implementing non-cash adjustment is as effortless as possible, all of our terminals come pre-programmed and ready to accept payments. Instructions on how to use the terminal are also included.

 

No problem! If you feel the non-cash adjustment program does not work for your business we can easily switch you back to traditional credit card processing. We will even beat the rates you were paying with your old processor.

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