Point of Sale Resource for Businesses in Alaska

What is Non-Cash Adjustment, and Can It Help Your Business Save Money?

Feb 1, 2021 4:24:39 PM / by Lynn Skurla Perkins

There are all sorts of credit card gimmicks these days.  Are they legit?  Do they save your business money?  How hard is compliance?

Offering your customers a discount for paying with cash or check is nothing new. 

Business people putting savings on a piggy bank - isolated

Neither is adjusting how much a customer pays if they use a payment type that results in higher processing costs for the business owner. While these concepts have been around for quite some time, they have recently been brought back into the spotlight, especially for businesses hard hit during COVID.

Today, we are here to talk about one of the easiest ways to save money on your credit card fees - through the Non-Cash Adjustment (NCA) Program:

With a Non-Cash Adjustment, your list prices have a  built-in cash discount incentive. Customers who pay with credit and signature debit cards do not receive the discount and will see a Non-Cash Adjustment on their receipt.

On average, businesses can save $9,500 a year simply by sharing their processing costs with their customers. 

But make sure use a trusted partner when implementing this programs - you want to make sure you are staying compliant with the program!

Here are some of the details:


• Customers who pay with credit and Signature debit cards do not receive the discount and will notice a Non-Cash Adjustment on their receipt.
• Non-Cash Adjustments are often viewed as a hybrid pricing approach because they are typically structured like Cash Discount programs but follow Surcharging guidelines. For example, business owners must give the card brands 30 days’ advance notice when they decide to participate in such a program. They are required to display signage at the entrance of their business and at the point of sale and should also post both the cash price and the card price of each item so there is no confusion about how much an item costs.
• Business owners must also register online with Visa and Mastercard and are required to display
signage to make sure customers are aware of their pricing policy. This is when the merchant’s list prices have a built-in cash discount incentive (i.e., all prices are cash prices). Customers who pay with credit or Signature debit cards do not receive the cash discount and a non-cash adjustment is added to the cost of goods and services.
• The amount of the Non-Cash Adjustment cannot exceed the business owner’s cost of accepting
credit and Signature debit cards or 4%.

If you would like to learn more about this program and others, click the button below to make an appointment, or call us at 907-243-2683.

Make an appointment

Tags: Save on Credit Card Fees, Non-Cash Adjustment, Card Processing Fees, NCA

Lynn Skurla Perkins

Written by Lynn Skurla Perkins

Lynn grew up in the point of sale and cash register industry working in the family business – and is now at the helm of Skurla's POS Solutions. She enjoys working with local Alaskan businesses, especially restaurants, grocery stores, and retail operations - helping them control costs and increase revenues through well managed point of sale solutions. Besides running the company, Lynn has also served on the Board of Directors, and as Chairman of the Board, for the Retail Solutions Provider Association. In her spare time, she loves cooking, camping and volunteering with organizations that are passionate about helping children.

Save money on credit cards! Sign up here for a free statement analysis

Subscribe to Email Updates

Lists by Topic

see all

Posts by Topic

See all

Recent Posts