All four Pixel 11 models run Google’s Tensor G6 alongside a new Titan M3 security coprocessor that adopts NIST’s post-quantum cryptography standards, a first for a Google phone. The chip claims 25% faster browsing and 20% better power efficiency, with a TPU carrying 50% more compute.
Every Pixel 11 ships with Google’s new Tensor G6, but the more interesting silicon sits next to it. A new Titan M3 security coprocessor adopts the post-quantum cryptography standards set by the US National Institute of Standards and Technology. Google says the Pixel 11 is its first phone to meet them.
The chip handles quantum-safe secure boot and runs Trusty, Google’s trusted execution environment, across all four models. Google describes the protection as being against “emerging, highly advanced digital attacks,” and says Titan M3 holds Common Criteria certification at the level used for SIM and bank cards.
No quantum computer can break current encryption. The reason to ship this now is that data stolen today can be kept until one can, a problem the industry calls harvest now, decrypt later. TNW has written before about why this is an inevitable threat rather than a distant one.
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Governments are pushing the timeline from the other direction. The White House has signed orders calling for a useful quantum computer by 2028, which puts a date on work that vendors had been treating as open-ended.
The performance side is more ordinary. Google claims the Tensor G6 delivers 25% faster browsing and 15% faster app loading than the Tensor G5, with up to 20% better power efficiency, the complaint that has dogged every previous Tensor.
Its TPU carries 50% more compute and higher memory bandwidth. That runs Gemini Nano on device, which Google says now executes background work up to 3.5 times faster while using 3.5 times less energy. The same silicon drives 120x Pro Zoom on the Pro models, 4K portrait video and an Instant Night Sight that captures up to 4.5 times faster.
Google has not published the manufacturing process or the core configuration. Benchmarks against Qualcomm and Apple silicon remain the weak point, and nothing announced suggests that changes this year.
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Pricing did land. The Pixel 11 starts at $899, the Pro at $1,099, the Pro XL at $1,299 and the Pro Fold at $1,899, with the 128GB tier dropped, confirming the increase Google signalled in July as memory prices climbed.
You probably haven’t heard of TXN Sound before. Based in Vietnam, TXN builds both universal and custom in-ear monitors. With a focus on excellence through simplicity, the company offers a small, carefully curated selection of IEMs aimed squarely at enthusiasts with substantial budgets.
Today, we’re taking a look at TXN’s entry-level IEM, the Ceramic, which features anodized aluminum shells and a single dynamic driver per side. At nearly $600, however, the Ceramic faces some stiff competition. Does TXN’s engineering go the distance? Let’s get into it.
About My Preferences:
This review is a subjective assessment and is therefore influenced by my personal preferences. While I try to minimize those biases as much as possible during the review process, I’d be lying if I said they could be eliminated entirely. With that in mind, here’s what you should know about my listening preferences:
My ideal sound signature includes capable sub-bass, textured mid-bass, a slightly warm midrange, and extended treble.
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I have mild treble sensitivity.
My testing equipment and standards can be found here.
Related Reviews:
TXN Ceramic IEMs
TXN Ceramic Specifications
Weight: 10 grams, excluding cable
Type: Universal in-ear monitor (IEM)
Driver: Single Golden Ceramic diaphragm dynamic driver
Cable Conductor: 7N OCC copper, sourced from Taiwan
IEM Connectors: Gold-plated 0.78 mm 2-pin
Termination: Gold-plated 4.4 mm balanced
Build
The Ceramic’s shells are made from beautifully anodized aluminum. They’re cleanly machined and exude both class and quality. The aluminum faceplates are mostly unadorned, save for some screen-printed text. I don’t mind printed text, but I find the Ceramic’s mismatched fonts somewhat cheapen its otherwise austere aesthetic.
Photo credit: Resonance Reviews
I’m a big fan of the Ceramic’s thoughtful proportions. A lot of brands reuse generic shell designs, but it’s clear that TXN has taken a different approach. The nozzles are metal and integrated directly into the main shell. They’re narrower than most, allowing for deeper insertion and better overall ergonomics.
The top of each Ceramic shell houses a recessed 0.78 mm 2-pin socket that feels firmly seated. Aftermarket cable compatibility is also excellent, and I had no issues using offerings from PlusSound, THIEAUDIO, or NiceHCK with the Ceramic.
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The Ceramic’s cable is reasonably soft and has very little memory or stiffness. Its outer jacket has a somewhat rubbery feel, reminding me more of old-school high-end IEM cables than the smooth, low-friction materials commonly used today.
The cable features polished metal plug housings and a simple rubber chin cinch. There isn’t much strain relief, however, so I’d be careful not to pull or bend it sharply at awkward angles.
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Photo credit: Resonance Reviews
Comfort
Comfort is a metric that depends heavily on individual ear anatomy, so your mileage may vary.
The Ceramic is a very comfortable IEM with a clear focus on ergonomics. Its slender nozzles allow for deeper ear tip insertion, resulting in excellent passive isolation. While the Ceramic isn’t particularly light, it never feels overly heavy, and the cable remains comfortable during extended listening sessions.
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Overall, TXN has done an excellent job making the Ceramic easy to wear for long periods.
Accessories
Photo credit: Resonance Reviews
The Ceramic comes with a solid selection of accessories in the box:
1 x Semi-hard carrying case
1 x Padded IEM pouch
1 x Microfiber cleaning cloth
1 x Shirt clip
1 x 4.4 mm cable
7 x Pairs of silicone ear tips
1 x Pair of tweezers
3 x Pairs of nozzle dampers
I’m glad to see that TXN included a padded IEM pouch, as the Ceramic’s metal shells could potentially damage one another if they collide during transit. That’s a concern with many metal-shelled IEMs, so it’s good to see TXN thinking ahead and providing some extra protection for long-term ownership.
The included carrying case, however, leaves something to be desired. I generally dislike cases that lack a positive locking mechanism, such as a zipper, because they tend to become less secure over time. Wear and tear can loosen components, eventually compromising the closure.
The Ceramic’s case is attractive and feels premium, but the lid is loose enough to separate from the base under its own weight. That isn’t especially secure and could potentially lead to accidental damage if the case opens during handling or transit.
TXN’s choice of ear tips, however, is quite good. The included silicone and liquid-silicone tips are comfortable and provide a solid seal, although foam ear tips are conspicuously absent. That’s unfortunate, as the Ceramic’s slender nozzles and ergonomic design make it especially well suited to the improved isolation that foam tips can provide.
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Listening
The Ceramic features a gently V-shaped sound signature. Its bass is moderately elevated above a refined, neutrally toned midrange. The upper mids are lifted enough to give vocals and instruments clarity and separation, but not so much that they take on an artificial sense of forwardness.
Above that sits a mild, transparent, and airy treble response. The Ceramic’s overall presentation is notably free of drama and exceptionally cohesive.
Refinement and Clarity Without Intensity
The beauty of the Ceramic’s treble is how articulate it sounds without the sheen of artificial boosting. Hi-hats and cymbals are clear and distinct, attacking and decaying with impressive speed. The Ceramic grasps the edges of percussive decay greedily, rendering them with depth and texture. In essence, the Ceramic is precisely as bright as it needs to be to resolve music with air and honesty, and no brighter.
This philosophy of organic emphasis not only allows the Ceramic to render an impressive breadth of tones and textures, but also to extract detail without sounding sharp or sibilant. Harshly mastered tracks such as “Satisfy” by Nero pose no threat to even highly sensitive ears. Albums with peaky, aggressive mastering, such as Famous by Puddle of Mudd, are likewise surprisingly pleasant through the Ceramic, as its carefully tuned treble renders the metallic slam of hi-hats without unnecessary drama.
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Polished Midrange Tuning
The Ceramic’s midrange is tonally neutral, with a small amount of lower-midrange warmth concentrated in the narrow region adjacent to the mid-bass. Combined with its responsibly elevated upper-midrange response, the Ceramic renders vocals with clarity and focus, but without the cold sterility that often accompanies so-called “reference” IEMs.
The lonesome vocals in “Drag Path” by Twenty One Pilots demonstrate this particularly well as they drift across the track’s wide, windswept soundstage. Lyrical intelligibility is excellent, with the Ceramic properly articulating even filtered or distorted vocals in busy mixes.
TXN nailed the Ceramic’s balance between natural, organic timbre and tonal cleanliness. String instruments and percussion sound harmonically complete without becoming heavy or burdened. As a result, complex and nuanced tracks exhibit strong layering and contrast, especially during busy passages.
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The chaotic verses of “Destroya” by My Chemical Romance demonstrate this technical ability nicely, as the Ceramic blends high-strung electric guitars with gritty vocals and feral drum strikes, all without smudging or blurring the presentation.
Audiophile-Grade Bass
The Ceramic is not a mainstream IEM, and its tuning fully acknowledges that. Bass emphasis, while elevated above what I’d consider truly neutral, is still not particularly intense. There’s a noticeable lift through the sub-bass and mid-bass, although emphasis begins to roll off somewhat below 40 Hz.
There’s still plenty of tonal depth, and the Ceramic is capable of producing convincing rumble when a track truly calls for it. The atmospheric bass lines in “Dial Tone” by Catch Your Breath are a great example, as the Ceramic effectively conveys the scale and imposing nature of those elements.
The mid-bass delivers a subtle sense of punch, placing tight, well-controlled bursts of emphasis around drum hits and synthetic bass pulses. The weighty bass guitar and drums in “One Debt Away” by Middle Class Rut reveal plenty of texture and depth, working especially well with the Ceramic’s natural and transparent low-end presentation.
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Electronic music sounds full and tonally complete through the Ceramic, but it never becomes especially vibrant or intense. I suspect that’s largely by design, given the Ceramic’s apparent mission: clarity over drama. “Divide” by ODESZA, for example, is rendered with depth and contrast, but it doesn’t shake my head the way a more bass-oriented IEM might.
Similarly, the hectic bass drop in “Trapdoor” by Feed Me reaches deep and offers subtle hints of punch and rumble, but I’m still left wanting more.
Comparisons
Comparisons are selected solely based on what I think will be most interesting and useful. If there’s another IEM you’d like to see compared with the Ceramic, feel free to leave a request in the comments below.
Campfire Audio Cascara
Photo credit: Resonance Reviews
The Cascara is a resin-shelled IEM with metal nozzles and a single dynamic driver per side. Pricing ranges from $499 to $699, depending on the accessory package selected.
Both the Cascara and the Ceramic are ergonomically designed, although the Ceramic’s smaller nozzles allow me to achieve a better seal. The Cascara’s Timestream cable is excellent, and I prefer its aesthetics to those of the Ceramic’s cable. Both are comfortable in use, and neither is particularly microphonic.
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While the Cascara and Ceramic have similar driver configurations on paper, they sound entirely different. The Cascara is an unapologetically V-shaped IEM, with boisterous bass that is elevated well beyond the Ceramic’s. Both IEMs sound deep and well extended, although the Cascara’s bass is richer and imparts a greater sense of depth with electronic music.
The more reserved Ceramic trades some of that sense of fun for a more controlled approach, dialing back warmth in the lower registers. Its cooler lower midrange blends nicely with the restrained bass response, creating a more consistent sense of openness and cleanliness.
The Cascara’s upper mids are more forward, adding greater vocal contrast to the mix, but at the expense of some grain that the Ceramic avoids. That difference carries into the treble as well, where the Ceramic’s more refined presentation sounds more natural and less grainy overall.
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Both IEMs retrieve a substantial amount of treble detail, although the Ceramic edges out the Cascara when resolving subtle hi-hat and cymbal decay during busy passages.
And while I’d like to call this a clean sweep one way or the other, I can’t. The Cascara and Ceramic excel in areas where the other simply does not.
The Cascara’s deeper V-shaped tuning makes it more immediately engaging with a wide range of music, especially tracks that rely heavily on sub-bass rumble. The Ceramic, however, is more tonally refined and offers some modest technical advantages over the Cascara.
It’s clear that not everyone will appreciate what the Cascara brings to this comparison, but it’s still the IEM I reach for more often when I’m in the mood for casual listening at higher volumes. The Ceramic is certainly entertaining, but it doesn’t quite capture the Cascara’s charisma.
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Xenns Mangird Tea Pro SE
Photo credit: Resonance Reviews
The Tea Pro SE is an all-metal hybrid IEM and a limited-edition revision of the venerable Tea Pro. At $449, it costs about $140 less than the Ceramic. Both IEMs come well equipped with accessories, including a wide selection of comfortable ear tips. The Tea Pro SE includes foam tips, while the Ceramic does not. Both also come with soft, comfortable cables, although the Ceramic uses a fixed 4.4 mm termination rather than the modular system found on the Tea Pro SE.
The Tea Pro SE also targets a “balanced” sound signature, but goes about its business in a very different way. The Ceramic features less bass, both mid-bass and sub-bass, along with a cooler lower midrange. Its upper mids are more forward, and its lower treble is slightly brighter, while the Tea Pro SE places more emphasis on the upper treble.
The Tea Pro SE’s smoother, richer lower register gives it an edge with electronic music, as bursts of bass, like those in “Derezzed (The Glitch Mob Remix),” feel weightier and more tactile. That said, the Ceramic’s cleaner, lighter presentation allows it to render densely mastered tracks like “Waste” by Seether with more air. Both IEMs are highly capable, although the Tea Pro SE’s more dramatic treble presentation allows it to surface certain subtle details more easily.
Those details are still present on the Ceramic, but they require closer listening in quieter environments. The Ceramic’s lower register, while less “fun” because of its more restrained emphasis, feels tighter and more textured.
The Tea Pro SE is a clear winner for listeners who prefer a U-shaped sound signature. It clearly appeals to those who enjoy meta-style tuning, and does so for substantially less than the Ceramic. That said, the Ceramic offers an unmistakable improvement in cohesion and a mastery of subtlety that the Tea Pro SE does not.
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The Ceramic achieves what it does with a single dynamic driver and, as such, may also prove less susceptible to driver-related failures over time than the more complex Tea Pro SE. I don’t have a strong opinion on which IEM is “better” here, as neither fits cleanly within my personal preferences, and each is clearly aimed at a different audience.
Meze Astru
Photo credit: Resonance Reviews
The Astru is Meze’s new flagship IEM. It features an all-titanium build and a single dynamic driver per side. At $899, the Astru costs a little less than twice as much as the Ceramic. Both IEMs come well equipped with accessories, although the Astru’s case is much more protective and space-efficient. The Ceramic comes with a better selection of ear tips, and Meze still hasn’t quite figured out how to strike the right balance of variety with its IEMs.
I much prefer the Astru’s thicker, sturdier cable and appreciate Meze’s inclusion of a 3.5 mm-to-4.4 mm adapter. The Astru is also much smaller and lighter than the Ceramic, offering better ergonomics and greater comfort during extended listening sessions.
If you’ve heard Meze’s products before, you’ll understand that the company’s house sound is quite different from how I’ve described the Ceramic. “Lean and clean” is pretty far removed from Meze’s unique blend of warmth and richness, and that couldn’t be clearer when A/B testing the Astru and Ceramic. The Astru has more prominent mid-bass and sub-bass, rendering bass elements with greater weight and substance than the Ceramic.
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The Ceramic’s lower mids are cooler and more sterile, possessing only a small degree of the Astru’s warmth. The Astru’s upper mids are slightly less forward than the Ceramic’s. The Ceramic has similarly bright lower treble, but the Astru has considerably brighter upper treble, giving it a more V-shaped presentation overall. The Ceramic’s “cleaner” presentation, while lacking the Astru’s honey-like warmth, sounds airier and more open when listening to hectic rock tracks such as “Jars” by Chevelle. That said, the Astru does offer some modest improvements in spatial rendering and upper-treble microtexturing. These subtleties are difficult to perceive outside of critical listening sessions, but they are present nonetheless.
These IEMs aren’t exactly peers, but I found it interesting to compare two modern single-dynamic-driver designs. The Astru is an excellent example of just how far dynamic-driver technology has come in recent years, and the Ceramic isn’t very far behind in technical terms. The Astru is clearly aimed at listeners interested in an exotic, TOTL experience who are willing to pay for it.
As an IEM that fully embraces Meze’s house sound, it should also appeal to listeners who favor warmth and weight. At roughly two-thirds the price, the Ceramic is still a strong performer, but it really belongs in the ears of someone more interested in a “reference-style” or “clean” sound signature.
The Bottom Line
The TXN Ceramic proves that you don’t need a pile of drivers to deliver genuinely high-end IEM performance. Its single dynamic driver produces a remarkably cohesive, clean, and articulate presentation with excellent timbre, controlled bass, an open midrange, and refined treble that extracts detail without becoming aggressive. Build quality and ergonomics are equally impressive, although the carrying case and lack of foam tips feel like strange omissions at nearly $600. Bassheads and listeners chasing a more dramatic V-shaped presentation should look elsewhere, but for those who value tonal balance, clarity, comfort, and single-driver coherence, the Ceramic is a polished and unusually mature performer.
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Pros:
Excellent single-driver cohesion and articulation
Refined, balanced tuning without harshness or sibilance
A cash discount program is a legal pricing structure where a business advertises standard card prices and offers an automatic discount—typically 3% to 4%—to customers who pay with cash or check, directly recovering processing fees at checkout. When configured with compliant point-of-sale (POS) software and clear point-of-entry signage, it eliminates up to 100% of credit card acceptance costs without violating payment card network rules or triggering regulatory penalties.
Quick Take
For small businesses operating on thin profit margins, credit card processing fees between 1.5% and 3.5% represent an unnecessary drain on net profits. A properly structured cash discount program protects your bottom line by passing processing costs to card-paying customers through standard listed prices while rewarding cash buyers with a line-item discount at the register. Unlike surcharging—which requires card network registration, prohibits debit card fees, and faces strict state restrictions—cash discounting is legal in all 50 states when implemented with proper point-of-sale disclosures and receipt line-item transparency.
Understanding Payment Processing Costs
Every credit card swipe, chip insert, or contactless tap triggers a sequence of interchange, assessment, and merchant processor fees. Interchange fees, set by networks like Visa and Mastercard and paid to card-issuing banks, make up the vast majority of processing overhead. When combined with processor markups, a typical retail or service business pays an effective processing rate between 2.2% and 3.8% depending on card types, reward tier structures, and transaction methods.
For high-frequency or mobile businesses—such as food trucks, farm markets, and field service contractors—these fractional fees accumulate rapidly into thousands of dollars in monthly overhead. For mobile vendors, pop-up markets, and field service businesses, adopting flexible mobile credit card processing services helps track real-time transaction margins and automate cash discount calculations directly on mobile hardware. Lowering these costs requires understanding how your processing pricing model works before choosing a cost-recovery strategy like cash discounting.
What Is a Cash Discount Program?
A cash discount program is a pricing mechanism that offers a lower price to customers paying with cash, checks, or store-branded gift cards instead of electronic payment cards. The core mechanical difference between cash discounting and other pricing adjustments lies in how base prices are displayed to the public:
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Base Listed Price: All shelf tags, menu boards, service quotes, and online price lists display the regular card price (for example, $10.40).
Cash Transaction: At the register, the POS system automatically applies a cash discount (for example, $0.40), bringing the final price paid down to $10.00.
Card Transaction: The customer pays the full listed base price of $10.40, which covers the underlying credit card processing fee.
Federal law under the Truth in Lending Act (15 U.S.C. § 1666f) explicitly protects the right of merchants to offer cash discounts to induce non-card payments, provided the discount is made available to all customers and disclosed clearly prior to purchase.
Cash Discount vs. Surcharge vs. Dual Pricing
Choosing the wrong fee-recovery model or mislabeling checkout fees can lead to severe processor fines and merchant account cancellation. Business owners must distinguish between three distinct pricing models:
Feature
Cash Discount Program
Credit Card Surcharge
Dual Pricing Model
Listed Price Format
Card Price (highest price displayed)
Cash/Base Price (surcharge added at POS)
Both Cash and Card prices displayed side-by-side
Legality Across US
Legal in all 50 states
Prohibited or restricted in several states
Legal in all 50 states
Debit Card Eligibility
Allowed (applied as cash discount reduction)
Strictly Prohibited by federal law
Allowed (debit pays card or cash price based on method)
Network Registration
No advance registration required
Requires 30-day notice to Visa & Mastercard
No advance registration required
Max Adjustment Cap
No percentage cap (must reflect baseline)
Capped at 3% max (Visa limit)
No percentage cap
Under the Durbin Amendment under Regulation II, merchants are strictly barred from imposing surcharges on debit card transactions, even when the customer selects “credit” at the terminal. Applying a surcharge to a debit card is one of the most common compliance violations recorded by card brand auditors.
Furthermore, Visa’s merchant compliance standards state that if a merchant advertises a lower base price on shelf tags and then adds a fee line item at the terminal for card users—regardless of whether the business labels it a “service fee,” “technology fee,” or “non-cash adjustment”—it is legally classified as a surcharge. Misrepresenting a surcharge as a cash discount risks immediate fines starting at $1,000 per occurrence from card brand compliance teams.
How to Set Up a Compliant Cash Discount Program
Implementing a fully compliant cash discount program requires updating your hardware, software, signage, and customer service workflows in lockstep.
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Step 1: Audit Processing Rates and POS Hardware
Before launching any new pricing model, consult with your current payment processor to confirm whether their software supports automated dual pricing and line-item cash discount receipts. Review your average monthly processing statement to determine your effective rate. Select a discount percentage (typically between 3% and 4%) that accurately covers your total processing overhead without overcharging customers.
Step 2: Configure Terminal Software and Receipt Itemization
Your POS terminal must be programmed to handle the discount calculations automatically. Ensure your software meets the following conditions:
Calculates the discount before tax to avoid improper tax collection.
Displays the original card price, the discount amount, and the final cash total on the terminal screen.
Prints receipts clearly itemizing the regular card price alongside the cash discount deduction line.
Transparency is essential for legal compliance and customer retention. According to credit card surcharge regulations and cash discount framework rules, disclosures must be posted prominently where customers make purchase decisions:
At all public business entrances.
At each checkout terminal, register, or counter.
On printed menus, digital price displays, and online order portals.
Signage should use positive language, such as: “All advertised prices reflect our standard card pricing. As a courtesy to our cash-paying customers, we offer a 4% discount at checkout when paying with cash or check.”
Step 4: Train Staff on Customer Communication
Frontline staff should be prepared to explain the cash discount model clearly and politely. Frame the program as a reward for cash buyers rather than a punishment for card users. Staff should emphasize that customers who pay with cash save money on every transaction, while cardholders pay the standard listed tag price.
Common Misconceptions and Compliance Risks
Many small businesses inadvertently commit card network violations by purchasing turnkey “cash discount” packages from unverified vendors. Avoid these critical traps:
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The “Non-Cash Adjustment” Trap: Automatically adding a 4% “service fee” at the register to a base cash price is a surcharge, not a cash discount. Calling it a “non-cash adjustment” on receipts does not bypass card brand rules.
Failure to Update Shelf Tags: If your shelf price or menu lists $10.00, but the customer’s receipt shows a $10.40 charge when using a card, you have surcharged the customer. All listed prices must reflect the card price.
Ignoring Card Brand Audits: Both Visa and Mastercard run active compliance auditing programs. Under Visa merchant violation remedies, businesses found operating non-compliant fee programs receive warning notices requiring remediation within 30 days, followed by mounting financial penalties if uncorrected.
Overcharging Surcharges: For businesses choosing a surcharge model instead of a cash discount, Mastercard merchant surcharge rules explicitly cap credit card surcharges at the merchant’s actual cost of acceptance or 3% to 4%, whichever is lower.
Where Cash Discounting Has Limits
While cash discounting protects profit margins for many businesses, it is not universally optimal for every business model:
High-Ticket B2B Transactions: B2B buyers relying on corporate procurement cards rarely carry large amounts of cash. A 3.5% price difference on a $20,000 order may create sales friction or lead clients to demand invoice net-terms instead. Exploring an interchange-plus pricing guide may yield lower fees without altering customer checkout workflows.
E-Commerce and Card-Not-Present Environments: Implementing cash discounts online requires specialized payment gateways capable of supporting alternative payment methods like ACH bank transfers or digital wallets at checkout.
Premium or Luxury Retail: Luxury brands often avoid cash discount signage at checkout, choosing instead to fold processing overhead into standard margin pricing to preserve high-end brand perception.
Key Takeaways
Cash discount programs allow merchants to offer a discount off the standard card price to customers who pay with cash, recovering credit card processing costs legally.
Cash discounting is legal in all 50 states and applies to both debit and credit card transactions when structured correctly.
All shelf pricing, menus, and signage must display the card price as the standard price, with the cash discount subtracted at checkout.
Adding a fee at checkout to a lower listed price is legally classified as a surcharge, triggering strict network limits and debit card prohibitions.
Compliant point-of-sale hardware and staff training are essential to avoid card brand fines and maintain customer trust.
Frequently Asked Questions
Is a cash discount program legal in all 50 states?
Yes. Federal law under 15 U.S.C. § 1666f protects a merchant’s right to offer discounts to customers paying with cash or check across all 50 states. Unlike credit card surcharges, which face restrictions in several states, cash discounting is fully legal nationwide when advertised correctly.
Can I apply a cash discount to debit card transactions?
Yes. Because a cash discount reduces the price for cash buyers rather than imposing an added fee on card users, debit cardholders simply pay the listed card price. Surcharging debit cards is illegal under federal law, but cash discount pricing complies fully with debit regulations.
What is the maximum percentage I can offer as a cash discount?
Unlike credit card surcharges—which Visa caps at 3%—cash discount programs do not have a hard legal percentage cap. However, the discount percentage should reasonably reflect your actual business processing costs (typically between 3% and 4%) to avoid distorting base pricing.
What happens if Visa or Mastercard flags my business for non-compliance?
If a card network auditor flags your business for improper signage or charging unapproved fees, you will receive a formal notice from your acquirer. Merchants are given a remediation window (typically 30 days) to correct their POS setup and signage. Failure to remediate results in non-compliance fines starting at $1,000 and potential processing termination.
How do I explain a cash discount program to customers who complain?
Focus on positive savings rather than fees. Train your staff to explain that all listed prices are standard card prices, and paying with cash earns an instant discount at checkout. Reframe the conversation around rewarding cash buyers rather than charging card users.
Regions such as Galicia, Asturias, Castile and León, Madrid, Aragon, Catalonia, the Valencian Community, and the Balearic Islands experienced the path of totality, while the rest of the country saw a partial eclipse.
The solar corona glows as the moon completely blocks the sun during the totality phase, as seen from San Asensio in the La Rioja region.
Photograph: Ander Gillenea/Getty Images
The event lasted about four and a half hours, while the total darkening of the sky lasted just under two minutes, allowing various space agencies to conduct scientific experiments along the path of totality.
Fans of Real Madrid watch the solar eclipse through special glasses before the Teresa Herrera Trophy match between RC Deportivo A Coruña and Real Madrid at Riazor Stadium.
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Photograph: José Manuel Álvarez Rey/Getty Images
One of the most notable projects involved a NASA mission tracking the moon’s shadow using a WB-57 high-altitude research aircraft that flew at 50,000 feet. A team of scientists sought to gather new data on the dynamics of the solar corona—the sun’s outermost atmosphere—which can only be studied in detail during total eclipses.
A new NYT Strands puzzle appears at midnight each day for your time zone – which means that some people are always playing ‘today’s game’ while others are playing ‘yesterday’s’. If you’re looking for Wednesday’s puzzle instead then click here: NYT Strands hints and answers for Wednesday, August 12 (game #892).
Strands is the NYT’s latest word game after the likes of Wordle, Spelling Bee and Connections – and it’s great fun. It can be difficult, though, so read on for my Strands hints.
Want more word-based fun? Then check out my NYT Connections today and Quordle today pages for hints and answers for those games, and Marc’s Wordle today page for the original viral word game.
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SPOILER WARNING: Information about NYT Strands today is below, so don’t read on if you don’t want to know the answers.
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NYT Strands today (game #893) – hint #1 – today’s theme
What is the theme of today’s NYT Strands?
• Today’s NYT Strands theme is… Coming in hot
NYT Strands today (game #893) – hint #2 – clue words
Play any of these words to unlock the in-game hints system.
CRIED
SALE
FORT
BRAND
ROVER
EVENT
NYT Strands today (game #893) – hint #3 – spangram letters
How many letters are in today’s spangram?
• Spangram has 9 letters
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NYT Strands today (game #893) – hint #4 – spangram position
What are two sides of the board that today’s spangram touches?
• First side: left, 1st row
• Last side: right, 4th row
Right, the answers are below, so DO NOT SCROLL ANY FURTHER IF YOU DON’T WANT TO SEE THEM.
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NYT Strands today (game #893) – the answers
(Image credit: New York Times)
The answers to today’s Strands, game #893, are…
FIERCE
HEATED
TORRID
INTENSE
ZEALOUS
SPANGRAM: FIREBRAND
My rating: Hard
My score: 2 hints
I don’t think I have seen a game that featured so many non-game words, which is possibly why I found it so hard to find the words we were actually looking for.
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This, though, is what hints are for, although it took me two before I understood that today’s game had nothing to do with heating and everything to do with attitude.
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Yesterday’s NYT Strands answers (Wednesday, August 12, game #892)
GIVE
DONATE
ENDOW
BESTOW
CONTRIBUTE
SPANGRAM: PHILANTHROPY
What is NYT Strands?
Strands is the NYT’s not-so-new-any-more word game, following Wordle and Connections. It’s now a fully fledged member of the NYT’s games stable that has been running for a year and which can be played on the NYT Games site on desktop or mobile.
I’ve got a full guide to how to play NYT Strands, complete with tips for solving it, so check that out if you’re struggling to beat it each day.
That kind of markdown is still rare for a first-generation product still this new, and with Nothing’s transparent, retro-futurist design turning heads wherever it goes, $219 makes it a much easier headphone to justify than the near-£300 asking price at launch.
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Our tech expert Cam Bunton reviewed the Headphone (1) and found aluminium cans with rounded corners and Nothing’s signature see-through panels, a look he described as distinct enough that nobody would mistake it for anyone else’s headphones.
Cam singled out the roller and paddle controls on the right cup as something close to a masterstroke, since the different textures let him adjust volume, skip tracks and pause music without ever needing to check which switch was which.
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Sound comes from 40mm drivers tuned in partnership with KEF, and Cam found the bass on tracks like Imagine Dragons’ Gods Don’t Pray came through strong and controlled without ever swallowing the mids or treble around it.
He also got real mileage out of the Nothing X app’s 8-band equaliser, using it to shape a more detailed sound signature than the default balanced setting offered straight out of the box
Battery life held up well in Cam’s testing too, with the headphones still showing close to full charge after two hours of playback and landing near Nothing’s promised 35 hours with noise cancellation switched on.
Nothing has spent every product answering one question, whether tech can look wildly different from everything else on the market and still work exactly the way you need it to, and at $219 the Headphone (1) settles that argument in its favour.
The revelation that Apple’s iCloud Private Relay feature hasn’t been as secure as Apple says has spawned a lawsuit against the iPhone maker.
Last week, a blog post by Talal Haj Bakry and Tommy Mysk exposed a vulnerability in how iCloud Private Relay, in some circumstances, doesn’t shield a customer’s IP address, which is the entire purpose of the feature. Even when it’s enabled, their information can be exposed when using a passkey to sign in or when a website uses two methods (DNS prefetching and WebTransport) to load data faster.
In a complaint filed by Clarkson Law Firm on Aug. 6, plaintiff Edward Rickman says he subscribed to iCloud Plus believing that iCloud Private Relay would hide his IP address and Safari browsing activity.
“Instead, Apple delivered a system that recreates through its own credential service the precise harm Apple told the world it had made impossible,” reads the complaint, which seeks class action status.
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The lawsuit also seeks an injunction against Apple requiring it to change its business practices to mitigate the risk of consumer deception, as well as monetary relief and attorneys’ fees.
An Apple representative didn’t immediately respond to a request for comment.
Craig Federighi, Apple’s senior vice president of software engineering, describes new privacy features at an Apple event.James Martin/CNET
A core component of the lawsuit is that iCloud Private Relay is a paid service of iCloud Plus, which costs between 99 cents and $60 per month. The feature is available only if you’re subscribed to iCloud Plus, not the basic iCloud service.
Also key is the fact that Apple has advertised for years that iCloud Private Relay is a safe way to browse the web and avoid the types of tracking that services such as Facebook use to connect people’s browsing habits and assemble profiles on them that can be monetized.
“Apple built its entire brand on the promise that it would protect its users’ privacy when no other company would,” Tim Giordano, a partner at Clarkson Law Firm, said in a statement. “For Apple’s iCloud users to now learn that for years they were paying Apple a premium for a protection that simply didn’t work, exposing them to the very tracking, profiling and targeting Apple warned them about, is an outrageous violation and betrayal of consumer trust and law.”
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Clarkson recently won a $250 million settlement from Apple over the company’s marketing of AI features for the iPhone 16 Pro that were never delivered.
The researchers who discovered the flaw set up a website that lets anyone check whether iCloud Private Relay is protecting their IP address. They say they released the information publicly rather than first alerting Apple because of the company’s lengthy review process.
The information in the red box was the IP number of my home router.Screenshot by Jeff Carlson/CNET
In an email to CNET, Mysk wrote, “If we had a better experience with the Apple Security Bounty program that would make us feel confident the issue would be addressed promptly for the benefit of iCloud Private Relay users as well as Psylo users, we would have reported this iCloud Private Relay issue to Apple without having to release a Psylo update addressing the issue, and as a result having to disclose it to our users.” Psylo is the developers’ privacy-focused web browsing app.
Jeff Carlson
Senior Writer
Jeff Carlson writes about mobile technology at CNET, from cellular phone plans to devices and emerging technology.
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Fei-Fei Li, aka The Godmother of AI, says the biggest AI risk in education may be students losing the motivation and agency to learn, rather than simply using the technology to cheat. She argues against banning AI outright, saying it can be valuable when used to support engaged students instead of replacing the thinking and struggle that learning requires. Techspot reports: Speaking on an episode of the science podcast Huberman Lab this week, Li talked about the fears around how students are using AI. “The absolute bad outcome is that our young generation, their agency and human-level motivation of learning and living is taken away by tools,” the ImageNet inventor warned. “It should not be taken away by humans nor should it be taken away by machines.” If we see a generation of graduates who have completely relied on AI without actively trying to learn anything for themselves, they risk leaving education without having “properly developed the brain,” Li said.
[…] Li certainly isn’t advocating for a complete ban on students using AI. She believes it can genuinely help struggling students who are already engaged in their learning. Li herself noted how she struggled with organic chemistry as a premed student, when teaching assistants and professors didn’t have enough time to answer every question. While there’s no obvious solution, Li says we need to find a way to keep children and students’ motivation and agency. “Let’s find a way to give them the access and the right way of using these tools,” she said. Li added that if AI is used properly in education, it could make the students of the future “way smarter than us because they are superpowered.”
The CFTC has ordered Kalshi to keep operating in New York, claiming the state’s lawsuit against the prediction market created a “market emergency.” They said it acted “to ensure market stability” and “ordered the exchange to continue to operate in accordance with the Commodity Exchange Act’s Core Principles.” Ars Technica reports: The market emergency alleged by the CFTC is that New York Attorney General Letitia James sued Kalshi on July 31. James’ lawsuit seeks a court order to permanently enjoin Kalshi “from operating an unlawful gambling business” in the state. The lawsuit also demands that Kalshi “make full restitution to customers who have engaged in betting” and pay financial penalties.
“New York intends to make event contract derivatives waste away under its iron curtain of state gaming laws before the courts get the chance to issue final rulings,” CFTC Chairman Michael Selig said yesterday. “Congress did not intend for derivatives exchanges to be regulated under a patchwork of state gaming laws… New York has no business regulating these interstate financial markets. The commission is required by law to ensure order in these markets, and that is what we have done today.” […]
The CFTC says it alone has the power to regulate platforms such as Kalshi and Polymarket under the Commodity Exchange Act, a US law that gives the CFTC exclusive jurisdiction over designated contract markets (DCMs). “These are financial exchanges that offer financial instruments and operate across state lines,” Selig said yesterday. “They match the bid from a resident of one state with the offer of a resident from another state and submit the trade to a clearinghouse that backstops the transactions of customers throughout the country.”
Insta360 just launched the X6, and the company is treating it like a full replacement for the gear most people carry on trips, rides, and everyday outings. One compact body now handles full 360 capture, locked-on subject tracking in flat video, and single-lens action shooting. Switch between the three with a tap. The camera then analyzes the footage on its own and delivers finished clips before you reach for your phone.
Dual custom Sony sensors are at the heart of this upgrade, with each 1.1-inch sensor organized in a square setup, providing a full one-inch equivalent when working in 360 mode. This configuration is significant since it gives you 33 percent more sensor area to work with than the preceding X5. That’s nearly four times the quantity of light you can capture in each shot. Low-light and high-contrast scenes will look much better. AdaptiveTone 2.0 now meters the two lenses separately, allowing it to draw two exposures every frame, which helps to extend the dynamic range without requiring any human adjustments. There are also two ambient light sensors that will help to clean up nite video, minimizing flicker and making things appear smoother.
DUAL 1/1.1″ SENSORS & TRIPLE AI CHIP SYSTEM: Custom-built dual 1/1.1″ square sensors deliver unprecedented 360 image quality. Combined with a triple…
FLAGSHIP 8K50FPS 360 VIDEO: Hit record on our 360 action camera and capture your world in stunning native 8K50fps video. Every view, every highlight…
IN-HOUSE AI MODEL FOR EFFORTLESS 360 EDITING: Insta360’s own AI model, built specifically for 360 editing. New AI Director edits your footage…
The processing power has been increased to match the larger sensors, with an 8-core 3.3 GHz processor built on a 4-nanometer technology driving the show, along with two dedicated imaging chips for good measure. That provides you a five-fold increase in computational capacity over the X5, and it will run more than twice as fast with 35% reduced power consumption. With this amount of headroom, you can run the camera in native 8K at 50 frames per second in full 360 and then reframe in whichever direction you choose. If you want something simpler, flat mode provides clear 4K with InstaFrame 2.0 subject tracking that locks onto people, dogs, or objects and keeps them centered. The single-lens action mode, on the other hand, offers 5K at 60 frames per second with a choice of 170 degree or 132 degree fields of view, or 4K at 120 frames per second in slow motion if desired.
The larger 2600mAh battery provides 140 minutes of continuous 8K @ 30 360 recording, which is a 51% increase over the X5. It charges to 80 percent in 24 minutes and can operate in temperatures as low as -20 degrees Celsius. The body is slightly shorter and more pocketable than the previous iteration, despite the larger sensors inside. The 2.32-inch OLED panel can reach 1200 nits while remaining legible in direct sunlight, and it also functions as a big record button when gloves are worn. The camera’s waterproofing has also been increased, allowing it to dive 20 meters without a case and 60 meters with the Invisible Dive Case Pro.
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The windproof 360 microphones inside the body have been updated, and there’s also a new Hidden Engine Mic mode that separates engine sound while blocking out the wind for motorcycle riders. The Intelligent Audio Mode will also adapt automatically, eliminating the need for you to do anything. You now have the option of pairing two wireless transmitters simultaneously. Connectivity has also been sped up across the board, with Wi-Fi 6 moving files at a zippy 100MB per second wirelessly and USB 3.0 reaching 450MB per second via cable. If you’re afraid about dropping the connection, Bluetooth will reconnect in under a second.
The most significant change will likely be in how you edit your footage. The AI Director process takes place on the camera itself, as it pulls up your video, selects the best sections, and assembles whole clips for you, complete with framing, movement, cuts, music, and everything else, before neatening it up and delivering it to the app for sharing. Auto Edit 2.0 employs a sophisticated PanoMind model that has been trained on over 10,000 hours of real-world 360-degree film from travel, sports, diving, cycling, and everyday life.
Moments Pro on the cloud allows you to create more versions after you’ve established your subject, mood, style, and so on; simply choose your timings and it will do the rest for you. You also get ten-bit color and native Dolby Vision, as well as I-Log for heavy-duty color grading afterward. We’re talking a respectable 47 gigabytes of storage memory, so you can shoot to your heart’s content without having to worry about juggling SD cards.
The lenses themselves are five times more scratch resistant, and you can pop them in and out for sixty percent less. The magnetic mounts are fully compatible with all of your X5 and Ace gear, and you get over a hundred different accessories that can fit onto scooters, bikes, cars, and selfie sticks. A power selfie stick can give you an extra three hours of use out of your camera. Fast charge cases now have two batteries and card slots. You have the option of Midnight Black or Arctic White. The regular bundle now starts at $699.99 and includes the camera, cable, pouch, and lens cloth. Push the button to upgrade to the basics kit for an additional $100, which includes a backup battery, invisible stick, lens caps, charge case, and an extended warranty.
The Trump-class battleship program could cost the Navy $275 billion total
First battleship alone carries a staggering $23.4 billion price tag
Each ship weighs 35,000 tons and packs hypersonic missiles, nuclear missiles, lasers, and more
A new US Congressional Budget Office report has estimated that the Navy’s proposed Trump-class battleship program could ultimately cost taxpayers $275 billion.
The first vessel alone is projected to cost $23.4 billion, roughly $6 billion more than the Navy’s initial estimate initially offered in December 2025.
Officials describe the 35,000-ton nuclear-powered warship as the most heavily armed surface combatant the Navy has ever attempted to build.
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Ambitious design, timeline, and escalating costs
The Trump administration announced its intention to build this new class of large surface combatants in December 2025, describing it as a guided missile battleship.
It plans to equip this battleship with rail guns, large lasers, hypersonic missiles, nuclear cruise missiles and anti-air, land-attack and anti-ship missiles.
“If built to those specifications, the ship would be the largest surface combatant in the world and larger than any surface combatant built for the Navy since World War II,” according to the report.
“It would be more than three and a half times the size of the Navy’s Arleigh Burke-class guided missile destroyer and more than twice the size of the Zumwalt-class guided missile destroyer.”
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The Navy will construct 15 Trump-class battleships between 2028 and 2056, with each of the following fourteen ships priced at $18 billion.
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By comparison, the USS Gerald R. Ford, the Navy’s newest nuclear-powered aircraft carrier, cost approximately $13.3 billion to build.
According to the CBO report, shipyards would need to produce 12% greater tonnage by 2035 under the 2027 plan than under the 2025 version.
To meet this schedule, the Navy would need to construct roughly one new battleship every other year between 2028 and 2056.
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During that same period, the service would also need to continue producing two DDG-51 destroyers every single year without interruption or delay.
By 2058, total tonnage for large surface combatants would need to grow by 60%, a pace the report calls a potential challenge for industry.
Shipbuilding struggles raise doubts
Concerns about the Navy’s shipbuilding capacity are not new, and a Government Accountability Office (GAO) report from last March outlined years of setbacks.
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The GAO found that too few ships have been completed, that new vessels often fail to perform as expected, and that deliveries frequently run late.
Some ships have arrived up to three years behind schedule, according to the agency’s assessment of nearly two decades of shipbuilding programs.
“We are effectively made to operate in a perpetual state of triage,” said Shelby S. Oakley, director at the Government Accountability Office.
Oakley told the Senate Armed Services Committee that unrealistic assumptions about cost and schedule have repeatedly diverted resources and delayed shipbuilding programs.
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The report further notes that switching to nuclear propulsion could lower the battleship’s long-term operating costs by removing the need for fuel purchases.
However, the CBO did not provide a specific estimate of how much money nuclear power might save over the life of the program.
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