Go High Level logo next to Stripe logo with a red X indicating Stripe is not used for payment processing

How to Eliminate Merchant Fees in Go High Level with Dual Pricing (Skip Stripe)

July 11, 20253 min read

Introduction

High merchant fees—often around 2.9% + $0.30 per card transaction—can significantly eat into your profits. But by using MerchaMax with Go High Level, you can implement true cash discounting: offer a lower price for eCheck/ACH (no fees) and a separate card price that transparently covers processing costs. That’s $300 saved per $10,000, $3,000 per $100,000, and $30,000 per $1 million processed. Start saving now: Check out the full setup here.


Why High Merchant Fees Hurt Your Bottom Line

Most merchant platforms, like Stripe, charge a flat 2.9% + $0.30 per transaction. Over time, this adds up—particularly with multiple funnels and clients. But you don’t have to absorb that—just let your customers who pay by card cover their processing fees.


What Is True Cash Discounting with MerchaMax?

True cash discounting is a compliant dual-pricing model where:

  1. The base price is the credit card price (the "official" listed price).

  2. A cash discount is automatically applied for customers choosing eCheck/ACH.

  3. The customer sees both prices clearly—online, on receipts, and invoices.

  4. There are no surcharges or hidden markups on cards. Instead, you're providing a subtraction for cash payments only.
    MerchaMax automates this fully and transparently(MerchaMax).


MerchaMax: The All‑in‑One Gateway for Dual Pricing

With MerchaMax, you get:

  • Built-in cash discount support—no manual setup needed

  • Transparent interchange-plus pricing with no flat-rate surprises

  • eCheck/ACH support—true fee-free cash option

  • Compliance materials (signage, receipt handling, disclosure tools)

  • Easy integration with Go High Level workflows
    MerchaMax is designed to reduce or eliminate swap fees while protecting your margins(MerchaMax).

Curious to see MerchaMax in action with Go High Level? 👉 Check out the live walkthrough


How to Set Up True Cash Discounting in Go High Level

  1. Sign up for MerchaMax, enabling cash discount functionality.

  2. Connect MerchaMax to Go High Level’s payment gateway settings.

  3. Set up base prices (credit card price)—e.g., $100.

  4. Activate cash discount, e.g., 3% off for ACH—resulting in $97.

  5. Label options clearly: “eCheck/ACH – $97” and “Card – $100”.

  6. MerchaMax automatically applies the cash discount at checkout—no extra work for you or your staff.

  7. Ensure both prices are shown on every invoice, receipt, and landing page to stay compliant(MerchaMax).

👉 Want the exact step-by-step? See the full setup walkthrough!


Real-World Savings Examples

Custom HTML/CSS/JAVASCRIPT

By implementing cash discounts with MerchaMax, clients save meaningfully at every volume tier. Want to start saving? 👉 See it in action.


Frequently Asked Questions

Is cash discounting legal?
Yes—cash discounting (dual pricing) is completely legal across the U.S. if you clearly display both prices and receipts reflect the discount.

Will it turn off card-using customers?
No—studies show transparent pricing builds trust. Plus, card users still get convenient payment options; they just forgo the discount.

Can I keep using Stripe?
Stripe doesn't support true cash discounts within Go High Level. Switching to MerchaMax enables automated, compliant dual pricing.

How are refunds handled?
MerchaMax processes refunds according to the original method—if the transaction had a cash discount, refunded totals reflect that.


Conclusion — Say Goodbye to Merchant Fees

By integrating MerchaMax with Go High Level, you can:

  • Implement true cash discounts, not hidden surcharges

  • Automate setup so staff don't have to remember anything

  • Offer transparent, compliant pricing for all customers

  • Save thousands—potentially $30K per $1M processed

Ready to protect your profits and offer smarter payment options? 👉 Start implementing MerchaMax cash discounts

Jeff Glines is a payment processing expert with years of experience helping businesses navigate merchant services, secure transactions, and cost-effective payment solutions. With a deep understanding of credit card processing, high-risk merchant accounts, and payment technology, Jeff specializes in guiding businesses toward the best solutions to optimize their transactions while reducing fees.

As a trusted industry professional, Jeff is passionate about educating business owners on choosing the right payment processors, avoiding account freezes, and maximizing revenue through strategic merchant services.

Jeff Glines

Jeff Glines is a payment processing expert with years of experience helping businesses navigate merchant services, secure transactions, and cost-effective payment solutions. With a deep understanding of credit card processing, high-risk merchant accounts, and payment technology, Jeff specializes in guiding businesses toward the best solutions to optimize their transactions while reducing fees. As a trusted industry professional, Jeff is passionate about educating business owners on choosing the right payment processors, avoiding account freezes, and maximizing revenue through strategic merchant services.

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