What is the cash discount program?

It's a way to eliminate up to 100% of your credit card processing fees.* You offer customers a small discount for paying with cash, while card-paying customers pay the posted price. Instead of paying a percentage of every transaction, your business pays one low, flat monthly rate — starting as low as $35/month and capped at $120/month for most businesses.

Think of how gas stations post a cash price and a credit price. Same idea, applied to your business, with signage and receipts handled for you.

Is cash discounting legal and compliant?

Yes. Cash discount programs are permitted nationwide when properly disclosed, and surcharge programs are permitted in most states subject to card brand rules. We configure your program, signage, and receipt formatting to meet card brand and state requirements — that's part of our job, not yours.

Does my business qualify?

Most businesses that accept credit cards qualify. You'll see the biggest impact if you:

  • Process at least $3,000/month in card volume
  • Serve customers in person (restaurants, retail, salons, auto, trades)
  • Are tired of watching 3–4% of every sale disappear

CBD and vape businesses may pay a nominal monthly fee and are subject to program eligibility.

What's the difference between cash discounting and surcharging?

Cash discount: posted prices assume card payment; cash customers get a small discount.

Surcharge: a disclosed fee is added to credit card transactions only — debit cards are never surcharged.

We'll recommend the right structure for your state, industry, and customer mix during your free review.

I'm locked into a contract with my current provider. Can I still switch?

Very likely, yes. Many businesses qualify for our contract buyout — we cover your cost of switching, including early termination fees, so you can break free from your current processor or POS provider without paying out of pocket. Eligibility is confirmed during your free savings review.

How long does it take to get set up?

Under 24 hours for most businesses. Our white-glove team handles the complete transition — installation, menu/inventory setup, and staff training — so you don't skip a beat.

Are there long-term contracts, setup fees, or cancellation fees?

No, no, and no. We earn your business every month. If we ever stop delivering, you're free to leave without penalty.

What POS systems do you offer?

We specialize in Clover® — Station, Mini, and Flex — configured for your business type at a low, flat monthly rate. Clover handles sales tracking, inventory, staff scheduling, gift cards, loyalty, online ordering, and more, with 24/7 support from our team.

Already on another system? We also service and support Square, Payanywhere, SwipeSimple, Revel, TouchBistro, Exatouch, SpotOn, Lavu, SoftTouch, NCR Aloha, Aldelo, Tray, Lightspeed, SkyTab, and Focus POS — plus ordering platforms like DoorDash, Uber Eats, Grubhub, ChowNow, Otter, and Menufy, and gateways like Authorize.net and PayPal.

What do I need for the free savings review?

Just one recent credit card processing statement. We'll show you exactly what you're paying now, what you'd pay with Ango, and the difference — in dollars, not vague promises. The review takes about 15–20 minutes, in person or by phone, with no obligation.

Who is behind Ango Payments?

Ango Payments is operated by Ango LLC, headquartered in Midland, North Carolina, serving the Charlotte metro and businesses nationwide. We're an independent sales organization, and your transactions run on infrastructure from the industry's largest payment platforms — including Fiserv, Global Payments (Worldpay), and North. Learn more on our About page.

Still have questions? Ask a human.

Call or text us — or book a time and we'll walk through everything with your real numbers.