Stop paying 3–4% on every manicure, pedicure, and nail enhancement. Cash discounting lets you eliminate processing fees while giving clients a visible savings option.
No sales calls, no lengthy onboarding. Apply online, get approved, and start saving.
Complete a simple merchant application. Takes about 5 minutes. We review and approve most applications within 24 hours.
We ship your pre-configured Clover terminal. Plug in, connect, and you're ready to go.
The terminal automatically applies cash discounts. Processing fees drop to zero. You keep 100% of every service.
"We were losing over $2,000 a month in processing fees and didn't even realize it. Switched to EmeraldPay and the savings were immediate. Not a single client has complained."
"I was skeptical about how clients would react. Turns out most of them don't even mention it. We saved enough in the first year to renovate two of our pedicure stations."
"Setup was painless. We were up and running in a few days. The Clover terminal looks great at our front desk and the reporting is excellent. Should have done this years ago."
A $60 gel mani costs you $1.80–2.40 in fees. A $150 full set? That's $4.50–6 gone. Multiply across dozens of clients every day, every month.
Cash discounting eliminates processing fees entirely. That's $8,000–$25,000+ back in your pocket every year.
Clients see a clear posted price and a cash discount option. It's the same model they see at gas stations—transparent and familiar.
See how much you're losing to credit card processors every month—and every year.
Based on 3%–4% effective processing rate typical for nail salons
Industry-leading point-of-sale technology trusted by millions of businesses worldwide.
This is the #1 question we hear. Here's why it's a non-issue for the vast majority of nail salons.
Cash discounting is everywhere—gas stations, restaurants, medical offices. It's not a new concept for consumers. The posted price stays the same for card users, and cash clients simply get a small discount. Nothing about your brand or pricing changes.
No—and the distinction matters. Surcharging adds a penalty. Cash discounting offers a reward. Your posted price is the card price. Cash clients pay less. It's framed as a benefit, not a punishment, which is why it's treated differently under the law.
The script is simple: "We offer a discount if you'd like to pay with cash today." That's it. Most clients won't even ask about it.
In practice, complaints are rare. But if a client pushes back, your team can simply process their card at the posted price—which is the same price they'd have paid before you switched. No one pays more than they would have otherwise.
What would an extra $10,000–$25,000/year mean for your nail salon?
Fund another nail technician or front desk coordinator.
Invest in new pedicure chairs, ventilation systems, or UV/LED lamps.
Run more ads, host events, or launch membership programs.
Add waxing, lash extensions, or a retail polish and skincare section.
Upgrade your waiting area, manicure stations, or retail displays.
Increase your own compensation. You've earned it.
EmeraldPay integrates with your current setup. We handle the heavy lifting—you just start saving.
Yes—cash discounting is legal in all 50 states. It's been upheld by courts and is explicitly permitted by card brand rules. Unlike surcharging, there are no state-by-state restrictions or registration requirements.
Surcharging adds a fee to credit card transactions and is prohibited in some states. Cash discounting displays the card price as your standard price and offers a discount for cash. It's psychologically positive (a reward, not a penalty) and has no legal restrictions.
EmeraldPay provides a pre-configured Clover terminal that automatically calculates and displays the cash discount. It arrives ready to use—just plug it in and connect to your network.
Most nail salons are fully set up and saving money within 48–72 hours. We handle equipment shipping and terminal configuration. You apply, get approved, and go live.
We'll walk you through pricing and terms during the application process. Everything is straightforward and transparent—no hidden fees, no surprises.
Your posted prices stay the same for card-paying clients. The only change is that cash clients now see a small discount. Card clients pay exactly what they've always paid—and you stop losing 3–4% on every transaction.
Book a free 15-minute call with Chris. He'll walk you through how cash discounting works for your salon and answer any questions. No pressure, no commitments.
Apply online in 5 minutes. Most nail salons are approved within 24 hours and saving within the week.
Transparent pricing. Dedicated support. Most nail salons go live in 48 hours.