A Merchant Cash Discount program is a payment plan where the customer receives a small percentage reduction on their purchase if they pay with cash or a cash equivalent, such as a check or debit card.  It’s called a “no-fee” program because it doesn’t charge the Business owners fee for accepting  credit or debit card. Instead, the merchant simply applies a percentage-based surcharge to the transaction, which offsets the cost of processing the payment. This unique payment model is designed to shift the cost of payment processing away from the business owner and onto the consumer, making it a cost-effective way for business owners to accept card payments without eating into their profits