Dual Pricing

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Perhaps the most sought-after program available to merchants today is the request to offset processing costs by passing a portion, or all, of the processing fees back to the cardholder. While Card Brand requirements related to these programs are actually quite simple, the industry is rife with misunderstanding. Our relationship managers are skilled at the proper implementation of dual pricing, cash discounting and surcharging programs and can help determine which best suits your business needs.

Benefits of a Dual Pricing Program

Offset Your Processing Fees
- Pass a portion or all of the processing fees back to the cardholder and enjoy reduced or completely eliminated card volume costs.
Easy to Understand
- Traditional cash discount programs can be confusing to cardholders; dual pricing by contrast offers a clean and simple display of both the cash and card price at the payment terminal, improving the checkout experience for both customers and cashiers.
Legal in all 50 states
- Dual pricing is legal in all 50 states and offers merchants an easy-to-implement avenue to completely offset their processing fees.

Commonly Asked Questions

Will there be an added surcharge on my customers’ receipts?
- No, in a compliant dual pricing environment, the payment terminal will clearly display a “cash” and “card” price, eliminating any confusion about the receipt’s bottom line.
Will I lose business?
- We have experienced resounding positive feedback from merchants who have adopted dual pricing. While loss of business was initially a concern for some, cardholders are increasingly aware and understanding of the mounting costs to accept plastic payments. Of course you can always transition to a different pricing structure, but we highly doubt you’ll want to!
What are my equipment options?
- We offer multiple payment devices, point of sale systems, and smart terminals that accommodate dual pricing. Rest assured that regardless of your payments wishlist, we offer a solution to meet your needs.
Can I opt not to charge the fee on an exception basis?
- Yes, you may elect not to pass along the fee in scenarios where you feel more comfortable doing so.

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