Dual Pricing

Dual Pricing & Cash Discount Programs

Reduce processing costs while remaining transparent and compliant. Our dual pricing technology allows businesses to display both cash and card prices — giving customers a choice and helping merchants protect margins.

Benefits

Why Dual Pricing Works

Lower Processing Expenses

Significantly reduce your credit card processing costs by offering a cash discount option to customers.

Automated Compliance

Our system handles all compliance requirements automatically, keeping you protected.

No Manual Calculations

Pricing adjustments are calculated automatically at the point of sale — no extra steps for your staff.

Clear Customer Communication

Transparent signage and receipts ensure customers understand their payment options.

Process

How Dual Pricing Works

01

Display Both Prices

Show cash and card prices clearly to customers before they choose their payment method.

02

Customer Chooses

Customers decide whether to pay with cash and receive the discount, or pay with card.

03

Automatic Adjustment

The system automatically applies the correct pricing based on the payment method selected.

04

You Save

When customers pay cash, you keep more of your revenue instead of paying processing fees.

Save Thousands on Processing Fees

The average business saves 2-3% on their total credit card volume when implementing a dual pricing program. That's money that goes directly back into your business.

  • No hidden fees or surprises
  • Full compliance support included
  • Compatible with most POS systems
  • Training and signage provided
Calculate Your Savings
2-3%
Average Savings on Card Volume
$24K+
Annual Savings*
100%
Compliant

*Based on $1M annual card volume

FAQ

Frequently Asked Questions

Is dual pricing legal in all 50 states?

Yes. Dual pricing is legal nationwide when implemented as a cash-discount program, where the displayed price is the card price and customers paying cash receive a discount. This structure differs from a credit-card surcharge, which has additional state-level rules. We handle the compliance setup, signage, and receipt language so your program meets card-brand and state requirements.

How is dual pricing different from a credit card surcharge?

A surcharge adds a fee on top of the listed price when a customer pays by credit card. Dual pricing (cash discount) instead shows the card price as the base and offers a discount for cash. The end result for the customer can look similar, but the legal and card-brand treatment is different — dual pricing has broader nationwide acceptance and fewer disclosure restrictions.

Do I need to replace my POS or terminal to use dual pricing?

In most cases, no. Our dual pricing technology is compatible with most modern POS systems and standalone terminals. We provide the compliance signage, receipt formatting, and any required software configuration during onboarding. If your current hardware is incompatible, we will recommend a low-cost replacement.

How much will my business actually save?

Most merchants save 2-3% of their total credit card volume — the amount they previously paid in processing fees. For a business processing $1M annually in card volume, that's typically $20,000-$30,000 per year returned to the bottom line. Your exact savings depend on your card-vs-cash mix and current effective rate.

Will customers be upset by dual pricing?

Properly implemented dual pricing is transparent: customers see both the cash and card prices before choosing how to pay, exactly like a gas station. With clear signage and a polite explanation from staff, customer pushback is minimal. We provide signage templates and staff training scripts during onboarding to make the rollout smooth.

Start Saving on Processing Today

Contact us to learn how dual pricing can reduce your payment processing costs.

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