What Is Dual Pricing Payment Processing?
Stop losing thousands every year to rising credit card processing fees.
iSmart Payments helps businesses modernize checkout with instant dual pricing credit card terminals designed to offset processing costs while creating a transparent customer experience. Many businesses can dramatically reduce — or even eliminate — out-of-pocket processing expenses month after month, year after year.
With free smart payment terminals, tap-to-pay technology, next morning funding, and fast approvals, businesses can start accepting modern payments in as little as one day.
Instant Customer Pricing Options Only $10 A Month
Credit card payment fees continue to rise for businesses across nearly every industry.
Our Dejavoo dual pricing card machines will display the credit price like it’s a non cash transaction to begin with. EX: a $100 charge will show as $104 ($103 also available). The next morning $100 is deposited into your business checking account.
With dual pricing, customers paying with cash receive a discounted price, while customers paying with a credit or debit card pay the standard card price.
This model helps businesses reduce or eliminate out-of-pocket swipe fees while continuing to offer modern payment options like tap to pay, mobile wallets, and EMV chip card acceptance.
iSmart Payments provides Dejavoo dual pricing solutions, including modern POS systems, payment terminals, and merchant services designed to help companies simplify operations and improve profitability.
- No Contract
- Save Thousands
- Next A.M. Funding
Contact iSmart Payments at 801-205-1955 to learn more.
How Dual Pricing Works?
Step By Step Instructions
- Merchant enters a price on their Dejavoo payment terminal we provide.
- Products or services are displayed with standard card and cash pricing on the customer facing PIN pad.
- Customers that tap cash, receive a discount at checkout.
- Card transactions help offset payment processing expenses.
- Businesses maintain visible and transparent pricing communication.
How Dual Pricing Credit Card Processing Works
Payment Options
Dual pricing payment terminals uses two displayed prices:
- A Lower Cash Price
- A Standard Card Price
When a customer chooses to pay with cash, they receive the discounted cash price know as, cash discounting. Customers paying with a card simply pay the displayed card price that includes standard card costs.
Modern POS systems automatically calculate pricing during checkout, creating a smooth customer experience while maintaining transparent pricing practices.
Small businesses using dual pricing can continue accepting:
- Credit Cards
- Debit Cards
- Tap-to-Pay Payments
- Apple Pay
- Google Pay
- Contactless Payments
All these without absorbing rising merchant processing expenses on every transaction unlike a schurgharge.
Dual pricing programs should always be implemented transparently and in accordance with card brand and state compliance requirements.
Proper signage and transparent pricing communication help customers clearly understand dual pricing at checkout.
Dual Pricing vs Cash Discount
The Differences
Dual pricing and cash discount programs are often confused, but they operate differently.
With dual pricing:
- Both Cash And Card Prices Are Displayed Upfront
- Customers Clearly See Pricing Before Payment
- Card Pricing Reflects Processing Costs Transparently
With traditional cash discount programs:
- A Standard Price Displayed
- A Discount Is Applied At Checkout For Cash Payments
Many businesses prefer dual pricing because it creates a clearer and more transparent checkout experience for customers while helping offset expenses.
Benefits of Dual Pricing Merchant Services
Businesses across many industries are adopting dual pricing programs because they can help improve profit margins while maintaining modern payment flexibility.
Reduce Credit Card Processing Fees
Card acceptance costs can significantly impact monthly revenue. Dual pricing helps small establishments offset many of these expenses.
Maintain Competitive Pricing
Rather than raising prices across all products and services, businesses can keep cash pricing competitive while offering card payment convenience.
Accept Modern Payment Methods
Dual pricing works with:
- EMV Chip Cards
- Contactless Payments
- Tap-to-Pay
- Mobile Wallets
- NFC Payments
This is allowing merchants to continue offering convenient customer experiences.
Improve Cash Flow
Reducing processing expenses can help improve monthly cash flow and increase profitability.
Is Dual Pricing Legal?
Dual pricing is legal in many states when implemented properly and transparently. Businesses should follow card brand guidelines and applicable state regulations when offering dual pricing programs.
Merchants should:
- Clearly Display Pricing
- Use Compliant Signage
- Maintain Transparent Checkout Procedures
- Work With Experienced Payment Providers
iSmart Payments helps merchants implement compliant dual pricing programs with modern POS systems and payment technology.
Businesses should maintain secure and compliant payment processing practices according to industry standards established by the PCI Security Standards Council.
Industries Using Dual Pricing Solutions
Dual pricing solutions are commonly used by business operators looking to reduce payment processing expenses while maintaining customer convenience.
Restaurants
Restaurants use dual pricing solutions to help offset rising payment processing expenses while continuing to offer tableside payments, online ordering, and modern checkout experiences.
Retail Stores
Retail stores benefit from modern POS systems with transparent pricing, tap-to-pay technology, and faster customer checkout experiences.
Salons & Spas
Salons and spas use dual pricing POS systems to help reduce payment processing expenses while simplifying appointment and checkout experiences.
Auto Repair Shops
High-volume businesses such as auto repair shops and convenience stores often use dual pricing solutions to help improve margins and reduce monthly merchant service expenses.
Contractors & Service Businesses
Mobile payment solutions and wireless terminals allow contractors and service businesses to accept payments on-site while helping reduce payment processing expenses.
Medical Offices
Medical offices use dual pricing payment solutions to help manage patient payment processing expenses associated with copays, treatment plans, and recurring billing.
Dental Practices
Dental practices frequently use dual pricing solutions to help offset payment processing costs for high-ticket procedures such as implants, cosmetic dentistry, and Invisalign treatment plans.
Self Storage Facilities
Self storage facilities use dual pricing payment systems to help reduce recurring monthly processing expenses while supporting online rentals, autopay, and ACH payment options.
Best POS Systems for Dual Pricing
Modern payment technology plays a major role in successful dual pricing programs.
iSmart Payments supports:
- Clover POS Systems
- Tap-to-Pay Solutions
- Dejavoo Payment Terminals
- Wireless Payment Devices
- PayAnywhere POS Systems
- Mobile Payment Acceptance
These systems help small businesses simplify transactions, improve reporting, and maintain compliant pricing displays.
Why Businesses Choose iSmart Payments
iSmart Payments has small business payment systems that are known for:
- Dual Pricing Expertise
- Modern POS Technology
- Streamlined Merchant Account Setup
- Complimentary Equipment Program
- Tap-to-Pay Payment Solutions
- Transparent Merchant Services
- U.S.-based Support
Our goal is to help reduce merchant services costs while delivering modern customer payment experiences.
Get Set Up With Dual Pricing Payment Processing
If your business is looking for ways to reduce credit card processing expenses while continuing to accept modern payment methods, dual pricing may be a strong solution.
iSmart Payments provides compliant dual pricing programs, modern POS systems, wireless terminals, and payment technology designed to help companies simplify payments and improve profitability.
iSmart Payments will get your dual pricing payment merchant account set up asap.
Call or text me on my cell number below our 5 star reviews or just fill out the from. Looking forward to working with you, Greg.
Contact iSmart Payments at 801-205-1955 to learn more.
FAQs for Dual Pricing Credit Card Processing
What is dual pricing processing and how does it work?
Dual pricing processing is a payment model where businesses display two prices to customers: a lower cash price and a slightly higher card price. Customers choose which payment method they prefer before completing the transaction. Many businesses use dual pricing to offset rising credit card processing fees while still accepting modern payments like tap to pay, Apple Pay, Google Pay, and EMV chip cards in a transparent way.
Why are so many businesses switching to dual pricing programs?
Credit card processing costs have continued increasing for restaurants, retail stores, salons, auto repair shops, contractors, and many other small businesses. Dual pricing helps businesses reduce or even eliminate out-of-pocket processing expenses while maintaining competitive pricing. Many business owners also prefer the transparency of showing both prices upfront rather than surprising customers with unexpected fees at checkout.
What is the difference between dual pricing and surcharging?
Although people sometimes use the terms interchangeably, dual pricing and surcharging are structured differently. Surcharging typically adds a separate fee during checkout when a customer pays with a credit card. Dual pricing displays both the cash price and the card price upfront before payment happens. Many businesses prefer dual pricing because customers can clearly see both payment options ahead of time, creating a more transparent checkout experience.
Can dual pricing help eliminate credit card processing fees?
Many businesses use dual pricing specifically to reduce or eliminate the burden of credit card processing fees. Instead of the business absorbing the full processing expense on every transaction, the card price helps offset those costs. Depending on the setup, some businesses dramatically reduce their monthly merchant processing expenses while continuing to offer customers flexible payment options.
Is dual pricing legal in the United States?
In my opinion and understanding, dual pricing programs are widely used throughout the United States when properly structured with transparent pricing disclosure. Businesses should clearly display both the cash price and card price so customers understand their payment options before checkout. Because payment laws and regulations can evolve, many business owners choose to work with experienced payment providers familiar with compliant dual pricing program setups.
What types of businesses use dual pricing processing?
Dual pricing has become increasingly popular across many industries including restaurants, auto repair shops, salons, retail stores, convenience stores, contractors, medical offices, self storage facilities, and service businesses. Businesses with higher transaction volume or larger average tickets often benefit the most because processing fees can quickly add up over time. Modern POS systems now make dual pricing simple to manage during checkout.
Will customers get upset about dual pricing?
Many businesses discover customers are already familiar with dual pricing because gas stations and other retailers have used similar pricing models for years. Transparency plays a major role in customer acceptance. When businesses clearly display both prices upfront and explain payment options professionally, customers often appreciate having the ability to choose between paying with cash or card.
Can dual pricing work with modern POS systems and payment terminals?
Modern payment systems are specifically designed to support dual pricing programs. Many POS systems and smart terminals automatically calculate the correct card price during checkout while still supporting contactless payments, Apple Pay, Google Pay, EMV chip cards, mobile wallets, and tap-to-pay transactions. This creates a smooth customer experience without requiring employees to manually calculate fees.
How much can a business save with dual pricing processing?
Savings vary depending on monthly card volume, average ticket size, and the current processing rates being paid. Some businesses processing thousands of dollars monthly in credit card transactions may save hundreds or even thousands of dollars each year. High-volume industries like restaurants, auto repair shops, and contractors often notice some of the largest reductions in processing expenses after implementing dual pricing.
Does dual pricing still allow customers to pay with credit cards?
Absolutely. Dual pricing does not remove credit card acceptance. Customers can still pay using Visa, Mastercard, Discover, American Express, tap to pay, Apple Pay, Google Pay, and contactless payment methods. The difference is that businesses display both payment options upfront so customers can choose the payment method that works best for them during checkout.
Can dual pricing improve profitability for small businesses?
Many small businesses implement dual pricing because rising merchant fees directly reduce profit margins. Even a few percentage points in payment processing costs can add up significantly over time. By offsetting those expenses, businesses may improve cash flow, retain more revenue, and free up funds that can be reinvested into payroll, marketing, inventory, staffing, or business growth initiatives.
Why do business owners compare dual pricing to gas stations?
Gas stations have used similar pricing concepts for years by displaying both a cash price and a credit card price directly on the pump signage. Because consumers are already familiar with this type of pricing structure, many business owners use the gas station example when explaining dual pricing. Customers generally understand they are choosing between different payment methods with different associated costs.
