Cash-Discount Program
Offset processing costs by adding a clearly posted customer service fee and offering a cash price. Simple, compliant configuration and signage.
- Signage & receipt language
- Configuration & training
- Reporting & transparency
Stop losing 3%+ to processing fees.
More Profit in Every Swipe.
Keep more of every sale with a compliant cash-discount program, free terminals, and next-day funding.
- ✔ Veteran-Owned & Operated
- ✔ Compliant cash discount
- ✔ Free terminals
- ✔ Month-to-month
About Lares Financial
We help local businesses keep more profit from each transaction. Our cash-discount program is designed to be simple, transparent, and customer-friendly—paired with free, reliable terminals selected for your workflow.
Proudly Veteran-Owned & Operated. Founded by a U.S. Marine Corps veteran, we bring integrity, precision, and mission-focus to every account.
- Transparent pricing & signage
- PCI-conscious setup
- Next-day funding
- Chargeback help when you need it
Solutions
Tools and programs that put more money back into your business.
Free Terminals & POS
We match the right equipment to your operation—countertop terminals, mobile readers, or POS. Terminals are provided free with an agreement (up to 36 months, depending on services selected).
- Contactless & chip ready
- Wi‑Fi / Ethernet / 4G options
- Warranty & replacement support
Online & Invoicing
Accept payments online, send invoices, or set up recurring billing—with customer-friendly options and clear pricing.
- Hosted checkout links
- Recurring billing & subscriptions
- QuickBooks-friendly exports
Simple, Transparent Pricing
Built to maximize savings and keep cash flow predictable.
Starter
$0/setup
- Cash-discount configuration
- Free terminal (agreement required, up to 36 months depending on services)
- Email support
Most Popular
Growth
$49/mo
- Advanced reporting
- Next-day funding
- Priority support
- Free terminal (agreement required, up to 36 months depending on services)
Interchange+
$Custom
- Traditional pass-through rates
- Volume-based discounts
- Dedicated account team
Note: Exact rates depend on business type, card mix, and risk profile. We’ll provide written details with your quote.
Results Our Clients See
“Switching to Lares cut our fee expense dramatically. We kept thousands in the first quarter.”
“Setup was fast. The free terminal and signage made rollout easy for my staff.”
“Clear reporting and friendly support when we needed help with a chargeback.”
Frequently Asked Questions
Is the cash discount program legal?
Yes. Cash discount programs are compliant and legal across the U.S. when implemented correctly. Lares Financial provides the required signage, receipt language, and training to ensure your program follows card brand and state guidelines.
How does the free terminal program work?
We provide your business with modern terminals or POS equipment at no cost up front. In exchange, we ask for a simple service agreement (up to 36 months depending on your services). This keeps your startup costs at zero while guaranteeing you have reliable hardware.
Will my customers push back on paying a service fee?
In our experience, most customers accept the small service fee without issue — especially when they see the cash price option clearly posted. Businesses that use our program report strong customer retention and higher profit margins.
What happens if my terminal breaks?
Your terminals are covered by warranty. We provide replacement support to get you back up and running quickly.
Do I still get next-day funding?
Yes. With our Growth plan, you’ll receive next-day funding so your cash flow stays predictable.
Can I cancel my agreement?
We keep it simple: you only commit to the agreed term if you’re using our free terminals. Otherwise, our programs are month-to-month with no hidden fees.
Contact Lares Financial
Tell us about your business and we’ll send a tailored savings estimate.
Prefer email? Nicolas@LaresFinancial.com or call +1 (331) 305-4386
Business Info
- Service Area: Illinois & nationwide remote setup
- Email: Nicolas@LaresFinancial.com
- Phone: +1 (331) 305-4386
- Hours: Mon–Fri, 9am–5pm