Dual Pricing is a pricing model that allows businesses to offer two prices: a cash price and a card price. Customers who choose to pay with a card covers the credit card processing fees, while those who pay with cash receive a discount. This helps businesses avoid paying expensive credit card fees.

Yes, Dual Pricing is 100% legal in all 50 states. It’s compliant with Visa, Mastercard, and other major credit card brands, as long as both prices are clearly displayed to the customer before the transaction.

​A surcharge is an additional fee added only to credit card transactions, while Dual Pricing offers two distinct prices upfront—one for cash and one for card payments. In some states, surcharges are restricted or illegal, but Dual Pricing is compliant nationwide. Also Dual Pricing also covers the fees charged on Debit Cards - where surcharges cannot be added to Debit cards - costing the business about 1.5-2% of Sales.

No. But I know how you feel. In fact, I felt the same concern, but we found that the customers just don’t mind. Most customers are used to seeing this model at gas stations and increasingly in other industries. By providing clear, transparent pricing, customers understand that paying with cash or card is their choice.

In most cases, we can simply reprogram your existing payment terminal to handle Dual Pricing. If you do need new equipment, we offer affordable options that integrate seamlessly into your current setup.

It depends on how much of your revenue comes from credit card transactions. However, on average, businesses can save 2-4% of each card transaction by passing the fees on to customers instead of absorbing them.

You can start within a few days to a couple weeks. After a quick consultation with our experts, we’ll get you approved at our processors, set up your system, train your staff, and ensure you’re ready to begin saving on credit card fees right away.

Yes, Dual Pricing applies to all card transactions.

Our Dual Pricing and how we set it up for you is fully compliant with Visa, Mastercard, and other major card networks. We ensure that your system follows all guidelines and regulations to avoid any issues.

It usually requires no explanation. It is really simple for them to see at check out. Example, the reader might say Cash Price = $56 and Card Price = $58.24. How would you like to pay? So they will rarely mention. However, we do provide you with clear signage and communication materials to explain the benefits of Dual Pricing to your customers. Most importantly, they’ll appreciate the transparency and the ability to choose how they want to pay.

No. We have not had any customers report a loss of customers. In fact, most businesses report that they retain all their customers and have no complaints. Also, many customers continue to use credit cards. When given a clear choice, customers appreciate transparency and don’t mind paying a bit extra for the convenience of using a card.

No, it’s about giving customers options. Dual Pricing allows you to avoid increasing prices across the board by offering a discount for cash payments. It keeps your prices competitive while offsetting the cost of card processing fees.

Absolutely. You can still run promotions or offer discounts alongside Dual Pricing. The dual pricing model is flexible and can work with any other offers you want to provide.

Yes, we can also set up Dual Pricing for online transactions, offering customers two prices at checkout—one for card payments and one for alternative payment methods like ACH or electronic checks. It requires us setting up an ACH process for you, but it is possible.

Our support team is available to help you every step of the way. Whether it’s setting up the system or training your staff, we’re here to ensure a smooth transition and ongoing support.