One insufficient funds check because you ran your bank account too close to zero will probably nullify any savings from taking the discount. The disadvantage to this is using cash more quickly. The buyer can receive a 2% discount if they pay the amount due in ten days rather than the standard thirty. Often, suppliers will offer payment terms like 2% 10/NET 30. A dilemma for many small business owners is whether or not to take advantage of early-pay vendor discounts.