Dual Pricing & Payment Processing Solutions for Small Businesses

What sets iSmart Payments apart when it comes to credit card processing machines for small businesses?

It’s the power of dual support. Not only do you receive top-tier assistance from our corporate partners, North and Fiserv, but you also get direct, local support from iSmart.

iSmart Payments works with trusted payment technology providers including Clover, Fiserv, North, Dejavoo, and PayAnywhere.

iSmart Payments is a proud member of the Better Business Bureau, holding an A+ rating and standing strong in our commitment to service and integrity.

Running a self-storage business? Check out iSmart Storage Software — all-in-one management and payment tools tailored to self-storage operators.

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How does dual pricing actually work for a small business?

Dual pricing allows your business to display two prices — one for cash or ACH payments and another for credit card payments. It works similarly to how many gas stations display separate cash and credit prices. For example, if your listed cash price is $100, the card price may display as $103 or $104 depending on your setup. This helps businesses offset rising credit card processing costs while still giving customers a transparent payment choice.

Can iSmart Payments really help eliminate credit card processing fees?

Many businesses are surprised how much they can reduce — and sometimes nearly eliminate — their out-of-pocket processing expenses with dual pricing. Instead of absorbing expensive card fees on every transaction, businesses can transparently display both card and non-card pricing. This allows owners to keep more revenue while maintaining a modern customer checkout experience.

Do I have to sign a long-term contract?

No. One of the biggest frustrations business owners have with payment processing companies is getting locked into lengthy agreements with cancellation penalties. iSmart Payments offers flexible solutions with no long-term contracts, no hidden cancellation fees, and transparent setup options.

How fast do businesses receive their deposits?

Most approved merchants receive next A.M. funding on qualifying transactions. That means businesses can often process payments today and have funds deposited into their checking account the very next morning, helping improve cash flow and simplify operations.

Do you offer free credit card machines and POS systems?

Yes. Many businesses qualify for free payment terminals, wireless credit card machines, countertop systems, and mobile POS solutions through iSmart Payments. Available equipment may include Dejavoo terminals, Clover POS systems, and PayAnywhere mobile devices depending on your business type and processing setup.

What Clover POS systems does iSmart Payments support?

iSmart Payments supports a full lineup of Clover POS systems including Clover Flex, Clover Mini, Clover Station Solo, and Clover Station Duo. Clover systems are popular because they combine payment processing, inventory management, reporting, employee tracking, customer management, and modern touchscreen checkout experiences in one platform.

Is PayAnywhere a good option for mobile businesses and contractors?

Absolutely. PayAnywhere mobile payment systems are especially popular with contractors, food trucks, mobile businesses, service professionals, and businesses that need to accept payments on the go. The system allows businesses to accept tap-to-pay, Apple Pay, Google Pay, EMV chip cards, and contactless payments directly from a smartphone or wireless terminal.

Why are Dejavoo payment terminals becoming so popular?

Dejavoo terminals have become popular because they combine modern touchscreen technology with dual pricing capabilities, wireless connectivity, customer-facing displays, and fast payment processing. Many businesses also prefer Dejavoo because the terminals are easy to use, support tap-to-pay transactions, and create a more professional checkout experience compared to older payment machines.

Can customers still use Apple Pay and tap-to-pay with dual pricing?

Yes. Customers can still pay using Apple Pay, Google Pay, tap-to-pay cards, mobile wallets, and contactless payments exactly like they normally would. Dual pricing simply displays both the card and cash price before the customer completes the transaction.

What types of businesses work best with iSmart Payments?

iSmart Payments works with many different industries including restaurants, retail stores, salons, auto repair shops, contractors, food trucks, medical offices, self-storage facilities, service businesses, and professional offices. Businesses with higher average tickets often see especially strong savings from dual pricing programs.

Will switching payment processors interrupt my business operations?

In most cases, setup is quick and straightforward. Many businesses are approved within minutes, and equipment can often be programmed and shipped quickly. The goal is to make the transition smooth without disrupting daily business operations or customer checkout experiences.

What makes iSmart Payments different from other merchant service companies?

Many payment companies focus only on processing transactions. iSmart Payments focuses on helping businesses modernize payments while reducing unnecessary fees. Businesses receive both corporate support from major payment technology providers like Clover, Fiserv, North, Dejavoo, and PayAnywhere, along with direct personal support from Greg and the iSmart Payments team.

What is the difference between dual pricing and surcharging?

Although people sometimes use the terms interchangeably, dual pricing and surcharging are actually different payment models. Surcharging adds a separate fee at checkout when a customer pays with a credit card. Dual pricing, on the other hand, displays both the cash price and the card price upfront before the customer pays.

Many businesses prefer dual pricing because it creates a more transparent customer experience. Customers clearly see both payment options ahead of time rather than seeing an added fee appear at the register. Dual pricing programs have become increasingly popular in restaurants, auto repair shops, retail stores, salons, contractors, plumbing, HVAC, and service businesses looking to offset rising payment processing costs while maintaining a modern checkout experience.

What states allow surcharging vs dual pricing programs?

Dual pricing programs are allowed in all 50 states when properly disclosed to customers because the business is displaying both the card price and non-card price upfront before the transaction takes place. Many business owners prefer dual pricing because customers clearly see both pricing options ahead of time rather than seeing an additional fee added at checkout.

Surcharge programs are different and have more restrictions depending on the state and card brand rules. In my opinion, this is one reason many businesses are moving toward dual pricing instead of traditional surcharging. States including Connecticut, Massachusetts, Maine, Colorado, Oklahoma, and New York have specific regulations regarding how surcharges can be presented or disclosed. In addition, surcharge fees cannot be applied to debit card transactions nationwide.

Businesses considering either program should always ensure they are using compliant signage, properly programmed payment terminals, and transparent customer disclosures. Many modern Clover POS systems, Dejavoo terminals, and dual pricing payment solutions are specifically designed to help businesses display pricing clearly and remain compliant.