Dual pricing and compliant surcharging
Offset most or all of your processing cost while staying inside card brand and state rules.
Dual pricing shows customers a cash price and a card price, and you keep the full cash price on every cash sale. Surcharging adds a disclosed fee to credit card transactions instead. Both shift some or all of the cost of card acceptance off your margin.
The catch is that both are heavily regulated. Card brand rules, state law, signage, receipt disclosure, and the debit card carve-out all have to be handled correctly, and getting it wrong exposes you to fines or card brand action. Debit cards cannot be surcharged, which is the detail most providers gloss over.
I will walk you through what is permitted for your business and your state, what your signage and receipts have to say, and how customers typically react. For some businesses it is a clear win. For others, particularly those with high average tickets or heavy card use, a sharper interchange-plus rate is the better answer. I will tell you which you are.
What is included
- An honest assessment of whether this fits your business
- Card brand and state compliance handled correctly
- Required signage and receipt disclosure provided
- POS configured to calculate and print both prices
- Debit card rules applied properly
- A straight comparison against standard interchange-plus pricing
Thinking about dual pricing and surcharging?
Tell me how your business runs today and I will tell you what makes sense, including when the answer is to leave things as they are.
Free. No obligation. Reply within one business day.
How the analysis works
- Send your most recent processing statement
- I calculate your effective rate and break down every fee
- You get a written comparison, and decide from there
Most come back within one business day. Monday to Friday, 8am to 6pm. Texts answered most evenings.