Use this article to educate yourself about the Heartland POS Restaurant pricing model for the Cash Discount program to see if it is a fit for your business.
- A $50,000 minimum annual volume
- PIN debit is not supported
- Surcharge is not supported
- A single rate applies for card present (CP) and card not present (CNP) transactions
- A flat rate of 3% to 4% is supported
- The merchant category code (MCC) compatibility for CP/CNP Flat Rate Pricing
Tip: When Cash Discount is selected for pricing, Daily Net is selected, Monthly or Daily Split becomes inaccessible, and a Cash Discounting Rate can be entered. Discount CP and Discount CNP is listed for all included Card Types.
If your Annual Volume is below $50,000 in the Estimated Processing Activity section, the Cash Discount program option is disabled. Similarly, if you participate in the Cash Discount program when the Annual Volume for your profile is changed to less than $50,000, a different pricing model must be selected.
If PIN Debit is added as a Card Type in the Estimated Processing Activity section, the Cash Discount Pricing option is disabled. This is because PIN Debit is not supported for any flat rate pricing model.
The Cash Discount program and surcharge pricing models cannot be enabled simultaneously. When the Cash Discount program is enabled, the Heartland Surcharge Program cannot be enabled. If the Heartland Surcharge Program is enabled, it must be disabled before the Cash Discount program can be applied.
The MCC limitations are the same as the CP/CNP Flat Rate pricing model. If your MCC cannot support flat rate pricing, the Cash Discount program pricing model is inaccessible.
Heartland provides printable signage to place by your main entrance, doors, and point of sale stations. Use these postings to let your customers know that they receive a discount when paying by cash or check.
Note: Heartland can configure your account so that this discount also applies to gift cards.
To print the sign, please download the document here: