Merchant services · Cash discount programs
Accept everypayment.Keep more of it.
RDG Management Group builds cash discount programs and traditional processing for business owners who are done losing 2–4% of every month to card fees.
Card fees you absorb today
2% – 4%
With our program
0%
Card fees are the quietest line item in your P&L — and usually the easiest one to fix.
Traditional processing buries the real cost in statement fees, PCI charges, batch fees, and monthly minimums that most owners never audit. A cash discount program changes the structure instead of shaving a tenth of a point: card-paying customers cover the fee, cash customers get a discount, and the margin you were absorbing stays with you.
And when a discount program isn't the right fit, we place traditional processing at rates that actually compete — same single point of contact, same transparent statements.
2–4%
Of card volume most merchants absorb every month
24–48h
Typical turnaround from approval to live program
$0
Upfront equipment cost to make the switch
What we do
A complete program — not another fee on your statement.
Everything that has to be right for a discount program to work in your store: the pricing, the compliance, the hardware, and the reporting.
Cash Discount Program
A compliant dual-pricing program where card-paying customers cover the processing cost and cash customers get a discount. The 2–4% you currently absorb stays in your business.
Traditional Processing
When a discount program is not the right fit — for your industry, your state, or your customer base — we place interchange-plus pricing that actually competes.
Compliance & Signage
State rules and card network requirements handled for you: signage, receipt language, and customer disclosures configured before you take a single transaction.
Terminals & Hardware
Countertop, mobile, and wireless terminals placed and configured for your counter, your patio, or your truck. Compatible existing hardware gets reprogrammed.
Statement Review
We read your current statement line by line and show you exactly where the money is going — PCI charges, batch fees, monthly minimums, and markup you may not know you are paying.
Funding & Reporting
Daily batches, next-day funding on approved accounts, and reporting written in plain English so you always know what landed and what it cost.
The difference
What changes when you switch.
What you stop absorbing
- PCI compliance fees
- Statement fees
- Batch & settlement fees
- Monthly minimums
- Annual & account fees
- Gateway fees
- Non-compliance penalties
- Add-ons nobody asked for
What we set up instead
One transparent program
A single plan, disclosed up front, with the program cost visible on your statement.
Compliant signage & receipts
State-specific disclosures, counter signage, and receipt language supplied and installed.
Your pricing, reviewed
A quarterly statement review so rate creep gets caught before it costs you a quarter.
One person to call
A named rep who knows your account — not a ticket queue and not a call center.
“Every basis point you stop paying is a basis point of margin you keep.”
RDG Management Group
Savings calculator
How much are card fees costing you?
Move the sliders to match your business. The number on the right is what stays in your account once card-paying customers cover the processing cost.
Pull the number straight off your most recent statement — total fees divided by total card sales. Most merchants land between 2.4% and 3.6%.
Fees absorbed today
$2,465/mo
With a cash discount program
$0
Card-paying customers cover the fee. Cash customers get a discount.
Back in your business each year
$29,580
Estimate only. It assumes the full card fee is passed to card-paying customers under a compliant dual-pricing program. Your actual result depends on state rules, statement review, and program configuration.
Industries
Built around how your business actually sells.
Your program, signage, and receipt language get configured to your business model — not copied from a template that worked for someone else.
Restaurants & Cafés
High card mix, thin margins. The program pays for itself on day one.
Retail & Convenience
Counter signage and receipt language configured for your state.
Med Spas & Salons
Ticket sizes where a 3% card fee is a real line on the P&L.
Auto Repair & Dealers
Large tickets and fleet cards handled without surprise charges.
Home & Field Services
Mobile terminals, tap-to-pay on site, same rate whether you are in the shop or on the road.
Professional Practices
Dental, chiropractic, legal, and accounting — clean statements, no re-quoting surprises.
How it works
Three steps, and nothing gets shipped until you say go.
Statement review
Send a recent statement — or upload it in the form below. We break it down line by line and show what you are actually paying.
Program design
We model your volume against a cash discount program and traditional pricing side by side, then recommend the one that keeps more.
Live in days
Application, hardware, signage, and compliance handled in one motion. Most merchants are live within 24–48 hours of approval.
Questions
Everything you need to know before you switch.
Still unsure about something? Send us your statement and we'll answer with real numbers instead of a brochure.
Get a quote
Send one statement. We'll show you what you're paying.
No pressure and no contract to get a number. Upload a recent statement or just tell us your volume — we'll come back with what a cash discount program would return.
What happens next
- 1 · We reply within one business day.
- 2 · You get a line-by-line read of your fees.
- 3 · You see the program modeled on your volume.