Better Payments Solutions has updated its payment solutions to offer zero-fee credit card processing for U.S. small businesses through a cash discount model. The updated model enables participating businesses to offset eligible card processing expenses while continuing to accept credit card payments from customers.
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U.S. card purchase volume for goods and services increased by 5.0% in 2025 to nearly $12.5 trillion, according to the Nilson Report. As card payments continue to represent a significant portion of transaction activity, small businesses face greater cumulative exposure to processing costs. These fees are often the second-largest operating expense after labor, making payment acceptance a key factor for businesses aiming to control costs and maximize revenue.
Better Payments Solutions’ updated cash discount model addresses those expenses by changing how payment costs are handled at checkout. Customers paying with cash receive a discount, while the listed price applies to card transactions. This structure allows businesses to offset eligible processing costs without eliminating their ability to accept cards as a payment option.
“Payment processing should not have to become a permanent drain on the revenue a small business works to generate,” said a Better Payments Solutions spokesperson. “The updated model gives merchants a practical way to address those costs while keeping the payment experience clear for customers.”
The company explains that the solution is designed for businesses operating across different payment environments, including in-store, online, and hybrid models. Support includes point-of-sale (POS) configuration, implementation guidance, customer-facing signage, employee training, and 24/7 live assistance. These services are designed to help businesses integrate the payment model into existing operations without overhauling their current payment systems.
According to Better Payments Solutions, small businesses using the cash discount program save an average of approximately $7,500 annually in processing costs. In contrast, some higher-volume businesses may save up to $100,000, depending on transaction activity.
The updated payment solutions are positioned for small businesses seeking greater control over payment-related expenses while maintaining convenient card acceptance. Better Payments Solutions also provides merchant accounts, payment processing services, and POS technology to support broader payment management needs.
Small business owners interested in learning how the cash discount model applies to their specific situation can access more information at https://www.northernmediaservices.com/