Dual pricing
Stop paying to get paid.
Not a lower rate and not a better tier. Two prices on the shelf — one for cash, one for card — so the cost of accepting the card sits with the card. Your cash price doesn't move.
How it works
One number stops moving.
The merchant sets a cash price and a card price. A customer paying by card covers what the card costs to accept. Look down the bottom row: what the business keeps is the same figure either way, which is the entire idea.
- The processing line leaves your statement
- Your shelf and menu prices don't go up
- Signage, receipts, and the maths handled at the terminal
Illustrative — your prices, your maths
The rules
Disclosure is the product.
A dual pricing program that isn't disclosed properly isn't a cheaper program, it's a liability with a discount attached.
Is this legal where I am?
Dual pricing is permitted broadly, but the card brands set rules on disclosure and a handful of states have their own. We set the program up to those rules, and if your state or your category is one of the exceptions we tell you that before you sign rather than after.
What do my customers actually see?
Two prices, disclosed up front — at the door, on the shelf or menu, and again at the terminal — plus a receipt that shows which one they paid. The disclosure isn't fine print; it's the part that makes the program compliant.
Will it cost me customers?
It suits some businesses and not others, and anyone who tells you otherwise is selling. It works best where the ticket is small and repeat, and worst where a few pennies of visible difference would sour a relationship you rely on. We'll tell you which one you look like.
Can I stop?
Yes. It's a setting on your account, not a contract term. Turn it off and you go back to absorbing the fee the way you do today.
What you get from us
Dedicated compliance guidance, from application to activation.
Someone who has set these up before walks the disclosure with you — the signage, the receipt language, the terminal configuration — and stays on it through activation. Backed by people who do this for a living, which is the part that separates a compliant program from a cheaper-looking one.
What it runs on
Nothing exotic.
The cards your customers already carry.
EMV chip, contactless, Apple Pay, and Google Pay all behave the way they do now. The customer taps; the price they see is the price they agreed to.
Terminals and point of sale you can keep.
It runs on compatible terminals and POS integrations rather than a proprietary box, so setup is a configuration rather than a rebuild.
Reporting you can check.
Real-time reporting and analytics, so the cash and card sides reconcile against what you actually sold rather than against a promise.
What it does for the business
- Lower operating expense
- Improved cash flow
- Greater pricing flexibility
- A simple customer-facing price
Talk to us
Send us a statement and we'll do the maths.
We'll run your actual month through it and show you what the two columns would have looked like — and whether your kind of business is one we'd recommend it for at all.