Handling a customer who asks for a cash discount
A calm way to answer, and the record-keeping that keeps you covered.
Answer the cash-discount question the same way every time
- Decide your policy once. Choose whether you offer any payment-method discount and write it down.
- Keep the answer short. For example: our price is the same however you pay, and here are the ways you can pay.
- Record every payment. Whatever the method, log it on the invoice so your books match your deposits.
- Talk to your accountant. Reporting rules for income vary. Verify with your accountant before changing how you take payment.
- Stay consistent. Treating customers differently invites awkward conversations.
Common questions
Is it okay to say no?
Yes. A friendly, consistent answer is fine.
Should cash payments be recorded?
Yes. Record all income. Verify tax requirements with your accountant.
See also the contractor guides and free tools.
General information, not legal or financial advice. Verify with your attorney or accountant.
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