Clover POS · Dual pricing · Cash discount
Already on Clover, or thinking about it? You don't have to keep handing a slice of every swipe to card fees. Pine Payments sets up dual pricing or a cash discount program using Clover's built-in feature, on new Clover equipment we supply. For dual pricing accounts, that equipment may be included based on your processing volume. Your customers see a clear cash price and card price, and your business keeps more of every sale. We program it, sign it, and train your staff. No add-on apps.
Dual pricing means every item has two prices: a cash price and a card price. The card price covers the cost of accepting the card and applies to all card payments, credit and debit. The lower cash price is for cash. Customers see both before they pay and choose how they want to pay.
On Clover, it comes together in four places:
No add-on app needed. Pine Payments uses Clover's built-in dual pricing and cash discount feature. There's no extra app to download, learn, or pay for, and nothing to break when an app updates. We turn it on, set your pricing, and set the cash price for cash payments only.
Dual pricing or cash discount? Both aim to cut what you pay in card fees. The difference is presentation. With dual pricing, you show two prices. With a cash discount, you post one price and reward cash. Compare them on our Dual Pricing Program and Cash Discount Program pages.
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 rules still apply, so the setup matters. Most problems we see come from a setup that doesn't match what's posted, not from the idea itself.
A clean Clover setup usually means:
Pine Payments provides POS programming, signage, and staff training built around card-brand rules and state requirements. Rules change, so we recommend confirming your setup against your state's current rules and talking to a qualified attorney about your specific situation. This page is general information, not legal advice.
Want the details? Read Is it legal to charge a credit card fee? A state-by-state guide and Cash Discount vs. Dual Pricing vs. Surcharging.
Pine Payments supplies new Clover equipment, set up with Clover's built-in dual pricing before you go live. Clover devices are usually tied to the processor that supplied them, so an old device from your bank or another processor generally can't be moved over. Starting with new equipment means your program, pricing, and settings are right from day one.
Equipment may be included for dual pricing accounts. Depending on your monthly processing volume, new Clover equipment may be included with a dual pricing account. It isn't guaranteed, and it applies to dual pricing accounts only. Send us a recent statement for a free review and we'll tell you, in writing, whether your business qualifies and what any equipment would cost if it doesn't.
We'll match the equipment to how you sell, whether that's a countertop register, a handheld for tableside or line-busting, or both. Before you switch, we'll also review:
Tell us how your business takes payments and we'll recommend a setup, in writing.
Example only. These numbers are for illustration. Your actual savings depend on your current rates, your monthly card volume, how many customers pay by card, and how your program is set up. We don't promise a specific figure.
| Example | |
|---|---|
| Monthly card volume | $50,000 |
| Effective processing rate | 2.5% |
| Card fees per month | $50,000 × 2.5% = $1,250 |
| Card fees per year | $1,250 × 12 = $15,000 |
With dual pricing, the card price is designed to cover the cost of card acceptance on every card payment, credit and debit, so most of that $15,000 can stay with your business instead of going to fees.
What a customer sees (example): a sandwich with a cash price of $10.00 and a card price of $10.40. Both prices are on the menu and on the Clover screen. Cash pays $10.00. Any card, credit or debit, pays $10.40. The customer chooses.
Want your real numbers? Learn how to read your processing statement, or send it to us and we'll do the math for free.
Before you sign with anyone, including us, ask for these in writing: your current cost from your actual statements, every rate and monthly fee under the new program, exactly how much higher the card price is than the cash price, the terms for your new Clover equipment (whether it's included for your account, and what happens if you cancel), the contract length, and whether your rates can change later. Pine Payments puts all of this in writing as part of every free statement review.
Pine Payments also offers ACH payment solutions.
Restaurants, bars, and cafes. Retail shops. Salons. Auto repair and tire shops. Medical and wellness practices. Contractors and professional services. If you take cards on a Clover, it's worth a look.
Yes. Clover has a built-in cash discount feature that shows a cash price and a card price at checkout, so the customer sees both totals before choosing how to pay. Pine Payments turns it on, sets your pricing, and configures it on new Clover equipment.
Dual pricing is widely used in Florida and across the U.S., and offering a lower price for cash has long been allowed under federal law. Card network rules and state price-display rules still apply, so both prices need to be shown clearly before the sale. Rules can change, so check your current state rules and talk to a qualified attorney if you're unsure. This is general information, not legal advice.
No. Pine Payments uses Clover's built-in dual pricing and cash discount feature, so there's no extra app to download, learn, or pay for. We set it up on your Clover before you go live.
No. Clover devices are usually tied to the processor that supplied them, so an old device generally can't be moved to a new program. Pine Payments supplies new Clover equipment, set up with your program, so you start clean. For dual pricing accounts, new Clover equipment may be included depending on your processing volume. It isn't guaranteed, so start with a free statement review and we'll tell you, in writing, whether you qualify.
Your Clover screen, receipts, menus, and signs should all describe the program the same way. We set up Clover's built-in feature, help you update item prices, and provide signage for the register, the door, and your menu. You can also start with our free cash discount sign templates.
Debit cards pay the card price, the same as credit cards. With Pine Payments, the lower cash price is for cash payments only. Because both prices are posted before the sale, the card price is a listed price, not a fee added at checkout. Your signs and receipts should say the same thing so customers aren't surprised.
More answers on our FAQ page, or read What is dual pricing?
Pine Payments is a registered ISO. Credit card processing services are subject to approval. Rates and terms may vary based on business type and processing history. Clover is a trademark of Clover Network, LLC, a Fiserv company. Pine Payments is not affiliated with or endorsed by Clover unless otherwise stated. This page is general information, not legal advice.