Most people here are going to tell you to go with the two-tier pricing. I don't do that mostly for the reason you mentioned - discouraging people from using cards. I have spoken to too many customers who complained about other vendor's markup to think customers don't notice or care. In reality, you can raise all of your pricing in stages to help cover the fees and customers will accept the higher prices much better than two tier. Yep, that fee hurts because you see it as an added expense, and it is. But as your cashless sales increase you will also save time in the count room, and the cashless sales can't be lost or stolen between the machine and the bank.