• Dodd-Frank Act (2010): Grants merchants the right to offer discounts for cash or alternate payment methods.
• Durbin Amendment: Confirms merchants may steer customers toward cost-saving payment options.
• FTC Guidance: Allows cash discounts when clearly disclosed and transparent to customers.

All major brands—Visa, Mastercard, American Express, and Discover—permit cash-discount programs when signage is clear and customers are informed at the point of sale. EZSwipe.shop supplies compliant signage and configures terminals to meet these rules.

Landmark cases and settlements have strengthened merchant rights to transparency and fair cost recovery:

• NBC News – Visa & Mastercard $7.3B settlement: Confirms merchant pricing transparency and recovery of costs. Read article →
• Washington Post – Judge approves $5.7B settlement: Acknowledges the right to pass on costs and disclose true fees. Read article →

• Gas stations have used cash vs. card pricing models for 15+ years.
• Agencies including the DMV, IRS, courts, and schools use similar models when accepting different payment types.
• These long-standing practices demonstrate the legality and effectiveness of cash-discount programs.

We provide the tools, signage, and training required to keep merchants compliant. We monitor regulatory and card-brand updates and notify merchants when changes matter.