Processing Fees.
Eliminated.
A compliant dual pricing / cash discount program designed to eliminate your monthly credit card processing expenses. Service in English and Spanish.
Pine Payments is an ISO (independent sales organization) that helps businesses across the U.S. offset credit card processing costs with compliant dual pricing and cash discount programs, and helps high-risk businesses get approved for merchant accounts. We work nationwide, with local bilingual (English/Spanish) service in Miami-Dade, Broward and South Florida. See our guide to merchant services in Miami.
To empower businesses of all sizes by providing innovative, compliant payment solutions that eliminate processing fees and maximize profitability. We're committed to transparency, exceptional service, and building lasting partnerships with every merchant we serve.
We believe in honest pricing with no hidden fees. What you see is what you get.
Your success is our priority. We provide dedicated support to help your business thrive.
We continuously evolve our technology to bring you the most efficient payment solutions.
Industry-leading compliance and security standards protect every transaction.
Our compliant dual pricing / cash discount program puts money back in your business, with secure payment processing and dedicated support behind it.
Explore our dual pricing program, cash discount program, Clover dual pricing and high-risk merchant accounts, or see all merchant services.
Our flagship, fully compliant program lets you keep more of every sale by eliminating credit card processing fees.
Process Visa, Mastercard, Amex, Discover and more with ease.
PCI-compliant processing with advanced fraud protection.
We'll walk you through setup.
Funding terms explained during your application review.
Specialized approvals for hard-to-place industries, including peptide, regenerative medicine, and other high-risk verticals.
Don't know your rate? Divide total fees by total card sales on your statement, or send us your statement.
Estimated monthly savings: $0
Estimated yearly savings: $0
What you pay in processing today: about $0/month at 3.00%. With Pine's dual pricing: 0%.
Estimate only. Results are based on the numbers you enter and assume your current processing costs are replaced by a compliant dual pricing program with 0% processing on all card payments (in-person, online and keyed-in). Your actual results depend on your sales mix, pricing setup and account approval. This isn't a quote or a guarantee. Get an exact comparison with a free statement review.
Open the full calculatorStraight answers about dual pricing, cash discounts, and how Pine Payments works.
Dual pricing is a point-of-sale pricing model where you display two prices for every product or service: a lower price for customers who pay with cash, and a standard price for customers who pay with a card. The small difference between the two prices is designed to cover the cost of card acceptance, so your business keeps the full cash price on every sale.
A cash discount program gives your customers a discount when they pay with cash. Customers who pay with a card, credit or debit, pay the regular listed price. The amount you would have paid in credit card processing fees is built into the card price instead, which is why most merchants see their monthly processing costs drop to nearly zero.
Dual pricing and cash discount programs are widely used across the U.S., and offering a lower price for cash has long been allowed under federal law. Card network rules and state pricing and disclosure laws still apply, so the setup has to be done correctly. The key is clear, conspicuous signage that shows both the cash price and the card price before the customer checks out. Pine Payments provides compliant POS programming, signage, and staff training to make sure your program meets card-brand rules and state requirements.
With dual pricing, both prices are shown up front: a lower cash price and a higher card price. A surcharge, by contrast, adds a fee only at checkout and only for credit card transactions. Dual pricing is generally simpler for customers to understand, easier to disclose at the register, and avoids many of the state-specific restrictions that apply to credit card surcharges.
Most businesses eliminate the bulk of their monthly credit card processing fees. For example, a business processing $50,000 a month in card volume at an effective rate of 2.5% could save roughly $15,000 a year. Your actual savings depend on your current rates and monthly card volume, and our team will run a free side-by-side comparison before you go live.
Straight answers on dual pricing, cash discount programs, surcharging, and what the rules actually say in your state.
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Read the guideGet a free, no-obligation quote tailored to your business. Our team will analyze your current rates and show you what dual pricing could look like for your business.