What is Swipe-Less?

Hate paying processing fees? Leave them behind.

Swipe-less is a payment processing program that provides merchants with the ability to eliminate credit card processing fees.

Choose 1 of 2 program options:

  • 01

    True Cash Discount

    This program allows you to offer a discount to customers who pay with cash. A 4% non-cash adjustment is added to all credit and debit card transactions. Rather than raising prices for all purchases you can reward customers for paying with cash and remove your credit card processing fees.

  • 02


    Surcharging passes the processing fee on to the customer for all credit card transactions. If a customer chooses to pay with a debit card there is no fee assessed on the transaction and the business owner pays the debit card fee. This program gives customers a no fee electronic payment option while still removing the largest portion of fees the business owner pays.

Why Join?


Pay $0 on credit card processing fees and only pay a small monthly program fee. In addition, one-time equipment fees may apply on compatible equipment you don’t already own. Contact us for details.

Next Day

Don’t wait long to get paid. Our standard processing terms include next day funding for all approved merchants.

hidden fees

It’s not uncommon for processors to mislead merchants. Our program is straight forward so there are never any surprises on your monthly statement.


Customers who pay with cash get rewarded with a true cash discount.

See if you Qualify

Our program is open to select businesses. Fill in your contact information and a member of our team will be in touch to coordinate your complimentary rate analysis and to see if you qualify for our program.

As part of the rate analysis, we’ll put together a side-by-side pricing comparison that shows what you’re currently paying for processing vs. how much you’ll save with Swipe-Less.

Frequently Asked Questions

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the Swipe-Less program meet the standard regulations that have been set by the major card service providers, state law, and federal law. As part of our regular standard list product pricing, a small service fee (much like an automatic service gratuity applied in some dining locations) is assessed on all sales regardless of how payment is made including checks, cash, credit cards, gift cards, etc. Refer to the Durbin Amendment for additional information.

Swipe-Less program offers both a Cash Discount and Surcharge Program.

Explain to your customers that this program gives them an incentive to pay with cash. The fees they will pay if they opt to pay by credit cover the increasingly high costs of card processing, fees that are waived when payment is made by cash. Understandably, no one wants to pay fees for anything. The reward for paying with cash instead of using a card is cheaper than most ATM fees and allows merchants to offer quality goods and services without having to raise their prices. In our experience, most customers are very understanding of this and will either opt to pay cash or accept the terms of paying by card.

In order to save merchants the most money possible, the rate covers all processing fees with the exception of terminal fees: transaction fee, batch fee, PCI compliance fee, statement fee, interchange fees, and so on.

While we’d like to be able to do so for you, it’s impossible to eliminate fees completely due to variances in the Interchange Billing Structure. However, merchants who participate in this program, typically see their fees go from thousands to less than $100 per month.

We launched Swipe-Less in April 2018 but the concept of the program has been around for decades, being used in Europe and at gas stations, departments of motor vehicles, post offices, schools, and courts across the United States.

Visa and MasterCard require a disclosure be clearly visible in the business, a set of rules they established in 2013 to protect cardholders and the integrity of merchants. Not properly disclosing participation in the program violates Visa and MasterCard’s guidelines. As a result, you could be subject to penalties up to and including having your merchant account privileges revoked.

Yes, if your equipment is compatible with the program. If it’s not, we will typically recommend a new payment terminal machine that is compatible. In order for this service to work, the terminal we provide features unique software that allows the cash adjustment to take place. Every customer receipt will show a line item for the non-cash adjustment.

Cash Discount Specific FAQ

Thanks to the Durbin amendment of the 2010 Dodd-Frank law, business owners have a completely legal way to pass on all or a percentage of their processing costs to their customers.

Yes, cash discount programs are permitted under the Visa and Mastercard operating rules.

Cash discounts are NOT surcharges. While cash discounts and surcharges may seem similar, they are quite different.

Cash Discount: When a business owner offers a discount to customers who pay by cash or check.

Surcharge: When a business adds an additional fee to purchases made with a credit card.

• Cash discounts in their true form are allowed in all 50 states but a handful of states have laws against surcharge programs. If you surcharge in a state with a law against it, you’re breaking the laws of that state. As of October 1, 2019, surcharging is prohibited by law in Colorado, Connecticut, Kansas, Maine, Massachusetts, and Oklahoma, according to Visa.

• Prior to surcharging, a merchant must be registered with Visa, Mastercard, and Discover.

• A surcharge cannot exceed 4 percent.

• Signage that displays surcharging must be prominently displayed where payments are accepted.

A Cash Discount Program is an ideal solution for a variety of service-based industries, including retail, food and beverage, and personal and professional services. Businesses that benefit most from our program are those that have an average ticket of less than $1000.

At Green Payments, we take an honest approach to pricing and merchants who participate in our Cash Discount Program are required to do the same. Merchants must clearly list their service fee/charge and cash discount on all customer receipts. In addition, they are required to post signage at the entrance of their business and where payments are accepted. The signage must indicate that all transactions now include a service fee and the amount of the fee that will be charged.

The term “Non Cash Adjustment” will appear on all customer receipts for merchants who participate in Swipe-Less.

Have additional questions? Contact us:  info@greenpayments.io, 1 (800) 567-4729.