The Cash Discount Program lets you keep more revenue by offering customers a small discount when they pay without a credit card. Instead of absorbing a 3% processing fee on every transaction, you display both prices the card price and the lower cash/check/ACH price directly on every quote and invoice. When the customer pays by cash, check, or ACH, the discount applies automatically. No surcharges, no card-brand registration, legal in all 50 states.
Enabling the Program
The program is off by default. Enabling it affects all new and existing quotes/invoices displayed going forward.
How It Appears on Quotes & Invoices
Once enabled, a dual-pricing block appears below the standard totals section on every quote and invoice:
| Label | Amount |
|---|---|
| Total (Credit Card) | $1,080.00 |
| Cash / Check / ACH price | $1,047.60 |
| *You save $32.40 (3%) by paying cash, check, or ACH* | |
A disclosure statement also appears in small text below, which you can customize in Settings.
How Payment Collection Works
When you collect a payment from the Collect Payment screen on an invoice:
This means you never have to manually calculate or adjust the amount it happens in one click.
Per-Customer Opt-Out
You can disable the Cash Discount Program for individual customers useful for commercial accounts on net terms who don't typically pay by card anyway and don't need dual pricing displayed.
This customer will see only the standard card price on their quotes and invoices, and "Cash discount not available for this account" will appear in place of the dual-pricing block in their customer portal.
Customer Portal
In the customer self-service portal:
Frequently Asked Questions
Is this a surcharge?
No. A cash discount means the card price is the baseline and eligible customers receive a reduction. A surcharge would add a fee on top of a base price. Cash discounts are legal in all 50 states with no card-brand registration required. PortaPro's UI never uses the word "surcharge" in connection with this feature.
What happens to invoices created before I enabled the program?
The dual-pricing block will appear on those invoices when viewed going forward, calculated from the stored card-price total. Historical paid invoices are not affected.
Can I set a fixed dollar discount instead of a percentage?
Yes. In Settings → Billing → Cash Discount Program, switch the discount type from Percentage to Fixed Amount and enter the dollar value.
What if I turn the program off?
Dual pricing immediately stops appearing on quotes and invoices. Any invoices that already had the discount applied will retain their snapshot record, but no new discounts will be offered.
Does this affect online card payments through the customer portal?
Card payments made through the Stripe-powered portal always charge the full card price. The discount only applies when you manually record a cash, check, or ACH payment in the Collect Payment screen.