First Line Consulting eliminates your credit card processing fees with our fully compliant Cash Discount Program. We've saved businesses over $2 million in fees — and counting.
First Line Consulting is a premier business consulting firm specializing in credit card merchant services and the Cash Discount Program. We partner with businesses of all sizes — from local shops to multi-location enterprises — to completely eliminate processing fees.
Our mission is simple: your money belongs in your pocket, not in the hands of payment processors. With our fully compliant solutions, we've helped over 500 businesses across the country save millions in unnecessary fees.
All our solutions meet federal, state, and card brand regulations.
A personal expert assigned to your business from day one.
Quick onboarding. Start saving within two business days.
Across retail, restaurants, healthcare, and more
Total fees eliminated for our merchant partners
Businesses that stay with us year after year
Nationwide service from coast to coast
We offer end-to-end merchant services designed to maximize your revenue and minimize your costs.
Legally eliminate up to 100% of your processing fees. Customers who pay cash get the listed price — card users see a small service fee. Fully compliant with all card brand rules.
Accept all major credit cards, debit cards, and contactless payments with our fast, secure processing solutions. Next-day funding available.
Our experts review your current processing statements line-by-line to uncover hidden fees, overcharges, and savings opportunities you're missing.
Get free, state-of-the-art payment terminals and POS systems. We provide, install, and maintain all equipment at no cost to you.
Our U.S.-based team is available around the clock. Whether it's a transaction issue or an account question, we're always one call away.
See how much your business could save every month by switching to our program.
Our proven process makes switching effortless. Most businesses start saving within 48 hours.
Send us your current processing statement. Our experts will review every line item — interchange rates, assessment fees, markups — and build a custom savings report for your business. There's zero obligation.
We ship and install your new payment terminal at no cost. Our team handles programming, testing, and integration with your existing POS system. We also train your staff on the Cash Discount workflow.
Your pricing updates automatically. Cash customers see the base price. Card customers see a small, clearly disclosed service fee. Compliant signage is placed at your register and entry points.
That's it — processing fees drop to $0. Every dollar from every sale goes straight into your account. We provide monthly reports so you can see exactly how much you're saving.
Hear from real business owners who made the switch.
Everything you need to know about the Cash Discount Program and our merchant services.
The Cash Discount Program allows businesses to offer a discount to customers who pay with cash, while adding a small, clearly disclosed service fee for card payments. This effectively eliminates your credit card processing fees to $0. It is fully legal and compliant with Visa, Mastercard, and all major card brand regulations.
Yes, absolutely. The Cash Discount Program is 100% legal in all 50 states. It complies with the Durbin Amendment and all card brand rules. We provide all necessary signage and compliance documentation to ensure your business is fully covered.
Most businesses are fully set up and processing within 48 hours. We handle the terminal delivery, installation, programming, and staff training. Many businesses start saving on their very first day with us.
In our experience with 500+ businesses, customer pushback is extremely rare. The service fee is small (typically 3-4%) and is clearly disclosed before the transaction. Many customers already encounter this at gas stations and other businesses. Most don't even mention it.
No. We don't believe in long-term contracts or hidden fees. You can cancel at any time with no penalties. Our pricing is 100% transparent — what we quote is what you pay. The equipment is provided free of charge, and there are no setup or installation fees.
We work with businesses of all sizes and industries — restaurants, retail stores, medical practices, salons, auto shops, professional services, and more. If your business accepts credit card payments, we can help you eliminate those fees.
Get your free, no-obligation statement analysis. We'll show you exactly how much you can save — most businesses reduce fees to $0.