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Frequently Asked Questions

What is the Xsellarate Cash Discount Program?

The Xsellarate Cash Discount Program is a way for you the merchant to offset your merchant service fees without increasing your sale price.

What kind of businesses can use Xsellarate?

Just about any business that accepts credit cards can benefit from Xsellarate. From auto repair shops and daycare centers to retail establishments and professionals like doctors, lawyers, dentists and accountants, Xsellarate can put more money in your pocket every month.

What do I need to get started with Xsellarate?

We’ll send you everything you need in one handy package and get you set up with a client portal. You’ll receive your equipment along with signage for your front door and terminal area explaining the discount for cash-paying customers. You’ll also receive free training, as will your sales staff. 

I really like the idea of Xsellarate. How do I get started?

Just give us a call and one of our representatives will help you get started. You may also fill out our same day quote form to be contacted by one of our industry experts.
Or you can give us a call (877) 623-2021


Welcome to the Xsellarate family of smart merchants who are saving money every day!

What if I don't like the Cash Discount Program?

We have a 100% satisfaction guarantee. If for any reason you want to stop using Cash Discount Program, we will immediately change you back to traditional interchange pricing. We got you covered!

Who else is using the Cash Discount Program?

Xsellarate is new, yet hundreds of merchants are already using Xsellarate, and more are signing on every day. Gas stations have been using this program in the US for over 15 years. In addition, many national, state and local governments like the DMV, IRS, Post Offices, Schools and Courts use the cash discount program and new federal regulations now allow merchants to reclaim their fair share of processing fees.

Do I need a PhD to figure this out and get it set up?

Not at all. We’ve made Xsellarate incredibly easy to order, set up and manage. If you have any questions, just give us a call and one of our friendly tech experts will help you with any questions or concerns. You will also have an assigned team that will be responsible for handling any question or concerns you may have.

Is it legal to offer a Cash Discount?

As Mitchell Katz, spokesman for the Federal Trade Commission, said in May 2011, “The Dodd-Frank Law prohibits a payment card network such as Visa from inhibiting the ability to provide a discount for payment by cash, checks, debit cards or credit cards… neither surcharging nor cash discounting is illegal."

Is there anything you can show me that proves it's legal?

Visa, MasterCard in $7.3 billion settlement over credit card fees.
Plaintiffs attorney Martin Lueck, chairman of the executive board of Robins, Kaplan, said the allowed “surcharge” is actually a pro-consumer provision of the settlement. “Really it’s a discount that the merchants are now allowed to offer for the less expensive form of payments,” he said. He also said merchants would for the first time be allowed to disclose how much it costs them to accept credit cards.
– Genaro C.Armas, Associated Press; Geoff Mulvihill, Associated Press; Mark Scolforo, Associated Press


From Washington Post...
Judge Approves Visa, Mastercard $5.7 billion settlement with retailers.
“It will reduce the fees and overall prices that consumers pay, which is good for merchants and consumers,” said Patrick J. Coughlin, one of the merchants’ attorneys and senior trial counsel at Robbins Geller, Rudman & Dowd. “There will be more transparency in the pricing.”
– Danielle Douglas

Is this the same as a surcharge?

This is not a credit or debit card surcharge program which is not allowed in several states. Slice provides you with a technology that allows you to offer discounts to its customers who chose to pay using cash or check which is allowed in all states.

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