No, the Cash Discount program, while seemingly similar, is actually very different, particularly in the eyes of Visa and MasterCard. As mentioned in the preceding Q&A, the 2013 ruling against the card networks resulted in merchants now being able to implement a surcharge in all but 10 states – California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas, plus the U.S. territory of Puerto Rico. Those states claim that a surcharge is not fair to consumers. The Surcharge carries with it several stipulations: Only credit cards may be surcharged – no debit cards Signage must be posted for at least 30 days prior to implementing a surcharge alerting your clientele There is a 4% maximum that can be imposed Surcharging is only allowed in states where the program has not been excluded With the Cash Discount program, these limitations are not in place, as you are not implementing an additional fee for accepting a credit card, you are providing a discount for those who pay with cash. This is a clear distinction.