Credit Card Processing That Works for Your Business — Not Against It
Transparent credit card processing with a cash discount option. No contracts. No surprises. Local white-glove support.
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Understanding Processing
What Is Credit Card Processing?
When a customer pays with a credit card at your business, that payment goes through several steps before the money reaches your bank account. Payment processors, card networks, and issuing banks all take a small percentage along the way. These are called processing fees, and they're deducted from each transaction before you see the funds.
The challenge? Many processors don't clearly explain what you're paying or why. Fee structures can be deliberately confusing, with multiple line items, percentages, and monthly charges that add up quickly. As a business owner, you're left wondering if you're getting a fair deal — or if someone else is profiting more from your hard work than they should be.
You deserve to understand exactly where your money goes. At M&M Processing, we believe transparency isn't optional — it's the foundation of a partnership. We take the time to walk you through every fee, every charge, and every option available to you. Because when you understand how processing works, you can make informed decisions that truly benefit your business.
Why Many Business Owners Feel Taken Advantage Of
Too many small business owners feel frustrated and misled by their credit card processors. The industry has developed a reputation for confusing contracts, unexpected charges, and non-existent customer support. If you've felt this way, you're not alone — and it's not your fault.
Hidden or Confusing Fees
Statements filled with technical jargon and mysterious line items make it nearly impossible to understand what you're actually paying. PCI compliance fees, gateway charges, statement fees, and batch fees pile up without clear explanation.
Long-Term Contracts
Many processors lock you into multi-year agreements with steep early termination fees. Even if you're unhappy with the service, you're trapped paying for something that doesn't serve your business.
Expensive Equipment Leases
Equipment leases can cost thousands of dollars over time for terminals worth a fraction of that amount. These inflated costs quietly drain your profits month after month.
No Real Support When Issues Arise
When your terminal stops working or you have questions about your statement, you're left navigating endless phone menus and talking to representatives who can't help. Your business suffers while problems go unresolved.
The truth is, many business owners simply don't realize how much they're overpaying because no one ever took the time to explain it clearly. Processors count on confusion to maintain high profit margins. But it doesn't have to be this way. Clear, honest communication and fair pricing should be the standard, not the exception.
Processing Built Around Your Business
At M&M Processing, we recognize that every business is different. What works perfectly for a busy restaurant might not make sense for a retail boutique or service provider. That's why we don't push a single solution on everyone who walks through our door.
We offer both cash discount processing and traditional credit card processing options. Our approach is simple: we listen to your needs, explain your options clearly, and help you understand the real costs and benefits of each approach. Then you decide what makes the most sense for your business model, your customers, and your bottom line.
There's no one-size-fits-all solution in payment processing. Your business has unique needs, transaction patterns, and customer expectations. We respect that, and we're here to support whatever choice works best for you — not what generates the highest commission for us.
Traditional Processing
Straightforward credit card acceptance with transparent pricing. You pay standard processing fees, and we provide competitive rates with no hidden charges or surprises.
Cash Discount Program
A compliant program that can significantly reduce or eliminate your processing costs by offering customers a choice between cash and credit card payment options.
Hybrid Solutions
Some businesses benefit from combining approaches. We'll help you find the right balance that maximizes savings while maintaining the customer experience you want.
Credit or Cash — You Choose
Our cash discount program is designed to give your customers a clear choice while helping you manage processing costs effectively. When implemented correctly, this program is transparent, compliant, and can dramatically reduce or even eliminate the fees you pay for accepting credit cards.
How It Works
The cash discount program is straightforward: your customers see two clear pricing options at the point of sale. Those who pay with cash receive a discount from the posted price. Those who choose to pay with a credit card pay the posted price, which includes a clearly disclosed service fee.
This approach is fully compliant when done correctly. The key is transparency — customers understand their options before they make a payment decision. There are no surprises, no hidden fees, and no confusion. Just clear choices that put control in the customer's hands.
Real Cost Savings
For many businesses, especially those with high transaction volumes like restaurants and retail stores, credit card fees can consume thousands of dollars every month. The cash discount program transfers the cost of convenience to those who choose credit card payment, while rewarding cash-paying customers with immediate savings.
This isn't about tricking customers or hiding costs. It's about being transparent that credit card payments have real costs associated with them, and giving your customers the choice of how they want to pay.
01
Clear Pricing Display
Customers see upfront that cash payments receive a discount while credit card payments include a service fee. Signage and receipts clearly communicate both options.
02
Customer Makes Choice
With full information, customers decide which payment method works best for them. Many appreciate the cash discount option and the transparency of the approach.
03
Automatic Processing
Your point-of-sale system automatically applies the appropriate pricing based on the payment method selected. No manual calculations or adjustments required.
04
Reduced Costs for You
Processing fees are significantly reduced or eliminated, putting more money back into your business every single month. These savings add up substantially over time.

Important: The cash discount program must be implemented correctly to remain compliant with card network rules and regulations. We handle all the details, provide proper signage, and ensure your program meets all requirements. You stay compliant while saving money.
"We were skeptical at first, but M&M Processing explained everything clearly and helped us implement the cash discount program the right way. Our customers appreciate the cash option, and we're saving over $800 a month. It's been a game-changer for our restaurant." — Maria T., Restaurant Owner