Dual Pricing Program for Businesses That Are Tired of Card Fees

Dual pricing means you display two prices for the same item: one for customers paying with cash, and one for customers paying by card, credit or debit. The card price covers the cost of accepting the card. Customers choose how they want to pay, and your fee exposure drops.

It is not the same as a hidden fee. Both prices are shown before the sale, on the menu, the shelf, the invoice, and the receipt.

New to the idea? Read our plain-English guide: What is dual pricing? · zero fee processing explained

1. 1.Tell us about your business. Industry, ticket size, and monthly card volume.
2. 2.We build your program. Two-price setup on new Clover equipment, plus receipt and signage guidance.
3. 3.You go live. We move quickly once your application is complete.
4. 4.Your funding terms. Funding terms explained during your application review.

• Keep more of every sale. Less of your revenue goes to processing fees.
• Customers stay in control. They see both prices up front and pick how to pay.
• You still accept every major card. Visa, Mastercard, American Express, and Discover.
• Secure by default. PCI-compliant processing with fraud protection.
• No one-size-fits-all. Restaurants, retail, e-commerce, healthcare practices, and professional services all run differently, and so does each setup.

Not sure which fits your business? We'll walk you through it. See our guide: Cash Discount vs. Dual Pricing vs. Surcharging.

Some merchants switch to dual pricing and later find their processor quietly moved them to a higher flat rate. Before you sign with anyone, including us, ask for these answers in writing:

• Your current cost. What you pay today, taken from your actual statements.
• Your new cost. Every rate and monthly fee you will pay under the new program.
• The card price difference. Exactly how much higher the card price is than the cash price.
• Equipment. Whether you buy, lease, or get equipment at no charge, and what happens if you cancel.
• Contract terms. The contract length and any cancellation fee.
• Rate changes. Whether your rates can change later, and how you'll be told.

Pine Payments puts this in writing as part of every free statement review. Send us a recent statement and we'll show you the numbers side by side.

Dual pricing and cash discount programs are widely used across the U.S., but the rules for how prices are displayed and disclosed depend on your state and your card network agreements. Pine Payments builds your program around those requirements, and we recommend confirming your setup against your state's rules.

Read more: Is it legal to charge a credit card fee? · Surcharging vs. dual pricing after the settlement

Restaurants and cafes, retail shops, e-commerce stores, medical and wellness practices, contractors and home services, salons, auto shops, and professional services. If you take cards, it's worth a look.

Prefer to post one price and reward cash? Cash discount program. In a high-risk category? High-risk merchant accounts. More answers on our FAQ page, or contact us.