JadaPay's Cash Discount Program
Every card swipe chips away at your margin. True Zero is JadaPay's cash discount / fee pass-through program: customers who choose to pay by card pay a clearly disclosed fee, so your business can net closer to the face value of each sale.
Signage and receipt disclosures
Card-brand and state rules in mind
To help you launch
Before Setup
Program availability and structure depend on your business type, location, and applicable card-brand rules and state laws. JadaPay will review fit before setup.
Owned & operated by veterans
Local-level support
Not a call center
Payments and growth tools in one place
Card Payments
Payment Links & Invoices
Counter Checkout
The Problem With Processing Fees
For most small businesses, card processing is one of the largest costs that nobody planned for. It grows with every sale — and it hits hardest on big tickets like repairs, installs, and seasonal rushes.
Raising every price to cover it can make you less competitive with cash customers. Absorbing it means working harder for less. True Zero offers another approach: a disclosed fee on card payments, so customers who choose the convenience of a card help cover what it costs to accept it.
Plain-English Explainer
Cash discount, dual pricing, and surcharge programs are related but not identical. Each has its own rules, and rules can differ for credit and debit cards and by state. We'll explain which structure applies to your business before anything is set up.
Customers can see the price and the fee that applies when paying by card, through signage at the counter or on estimates and invoices.
Customers who pay with cash (or another non-card method, where configured) pay the cash price. Customers who pay by card pay the disclosed card fee.
The receipt or invoice shows the fee as a separate, clearly labeled line, so there are no surprises.
Because the card fee helps offset processing costs, your business keeps more of each card sale. Your actual results depend on your card mix, pricing, and program setup.
What's Included
Configuration on your terminal, POS, or payment links, aligned to the program structure that fits your business.
Guidance and materials for counter signage, invoices, estimates, and receipts.
Countertop terminals, mobile readers, and POS systems that support the program.
Simple, friendly language your team can use when a customer asks about the card fee.
Real people to answer questions after launch — not a help-center article.
Text-to-pay links and invoices through JadaCRM can carry the same disclosures.
Is True Zero Right for You?
We'll be honest. If True Zero isn't right for your business, we'll tell you, and recommend a traditional processing structure instead. Start with a free statement analysis.
How It Works
Share a recent processing statement through our statement analysis page, or call us.
We'll look at your card mix, ticket size, industry, and location, and explain whether True Zero fits.
We configure equipment, signage, and receipts, and walk your team through it. See switching to JadaPay.
Go live with a real person available when you or your customers have questions.
Who It's For
Why Choose JadaPay
We explain the program the same way we'd want it explained to us.
We configure signage, receipts, and settings with card-brand and state rules in mind.
A real person helps you launch and answers questions afterward.
No pressure. If a traditional structure is better for you, that's what we'll recommend.
Frequently Asked Questions
True Zero is JadaPay's cash discount / fee pass-through program. Customers who pay by card pay a clearly disclosed fee, which helps your business offset processing costs and net closer to the face value of each sale.
No. True Zero is designed to help offset card processing costs, not eliminate every fee. Your results depend on your card mix, pricing, and program setup.
Cash discount, dual pricing, and surcharge programs are used by many businesses, but rules vary by card brand and by state, and can differ for credit vs. debit. We help configure the program and disclosures to follow applicable rules. Merchants should also follow any local requirements that apply to them.
Most customers respond well to clear, upfront disclosure. We provide signage and talking points to make the conversation easy. If your market is sensitive to card fees, we'll discuss that before you launch.
In many cases, yes. We'll confirm which terminals, readers, POS systems, and payment links support the program for your setup.
It depends on your business. We don't publish savings estimates, because every merchant's card mix and pricing is different. Send us your statement and we'll review it with you.
Send us a statement or call 833-JADAPAY.
Free Statement Analysis
You shouldn't have to choose between accepting cards and protecting your margins. Send us a recent statement and we'll walk through how True Zero would work for your business — with clear answers and no pressure.
Or email jadapay@jadapay.com
True Zero is a JadaPay program name. Program structure, availability, and customer-facing fees are subject to card-brand rules, state laws, and processor approval. Results vary by business. JadaPay does not guarantee specific savings.
