A cash discount program for merchant services allows businesses to offer a discount to customers who pay with cash instead of using a credit or debit card. This program helps merchants reduce credit card processing fees by encouraging cash transactions. Typically, the discount is applied at the point of sale, making it straightforward for customers to receive the benefit. By implementing such a program, businesses can potentially lower their overall transaction costs and improve their profit margins. Additionally, this approach can streamline operations and minimize the financial impact of card processing fees. However, it's important for merchants to clearly communicate the discount terms to customers to avoid confusion.