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Feature · Dual pricing

Offset nearly all of your processing with dual pricing.

Post two prices — a lower cash price and a card price about 4% higher. Customers choose how to pay, the card price covers the cost of accepting cards, and you net close to your cash price on every sale. Properly disclosed, properly configured, properly receipted.

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Estimate the savings

What dual pricing could save you.

Slide your average monthly card volume to see the estimated offset.

$2K$300K
Card-price spread 4%
Processing offset applied ~3.5%
Cash-vs-card mix 80% cards / 20% cash

Estimates assume a typical retail/restaurant card-vs-cash mix. Actual savings vary based on ticket size, card mix, and how cleanly the program is disclosed.

Estimated monthly offset
$700
≈ $8,400 per year
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How it works

Four steps, in plain English.

  1. 1

    You post two prices.

    A cash price and a card price on the menu, the shelf tag, and the website. The card price is about 4% higher than the cash price.

  2. 2

    Customers choose how to pay.

    Paying with cash? They pay the lower cash price. Paying with a card? They pay the card price. Both prices are clearly shown.

  3. 3

    The 4% spread covers the cost of the card.

    Disclosed on screen and on the receipt. Debit is never surcharged — customers simply pay the posted card price.

  4. 4

    You net close to your cash price on every sale.

    Processing comes out of the card-price spread, not your margin. For most counter-service operations, dual pricing offsets nearly all of your card-processing cost.

Compliance, in plain language

What you need to know before you turn it on.

  • It’s a discount, legal in all 50 states.

    Dual pricing posts a lower cash price and a card price. Because it’s structured as a discount for paying cash — not a surcharge added to cards — it’s legal in all 50 states.

  • Debit is never surcharged.

    Customers paying by debit simply pay the posted card price; we never add a surcharge to a debit transaction. The program is configured to keep debit compliant.

  • Both prices are disclosed.

    The cash price and card price appear on the menu or shelf tag and on the receipt. The Clover terminal prompt and printed receipt are pre-configured with compliant language.

  • Connecticut, Massachusetts, and Puerto Rico.

    These jurisdictions restrict card surcharging specifically. Because dual pricing posts two prices and adds no surcharge, it works there too — as long as the wording stays “cash price / card price,” never “surcharge.”

  • It’s not a silver bullet.

    High-ticket operations, B2B, e-commerce, and tipping-heavy restaurants often do better on the Swiped Program (one flat per-transaction rate) than on dual pricing. We’ll quote both and let the numbers pick.

Who it fits

Where dual pricing wins.

Works well

  • Counter-service & QSR
  • Liquor stores, c-stores, small retail
  • Service businesses with lower ticket counts
  • Gas stations and convenience
  • Lower-ticket professional services

Less ideal

  • High-ticket retail or B2B (large fixed customer prices feel punishing)
  • Full-service restaurants with strong tipping culture
  • E-commerce (most card customers won’t accept it)
  • Subscription / recurring billing
  • Anywhere you’d rather keep a single posted price

Not sure where you land? Send us a statement — we’ll quote both the Swiped Program and dual pricing side by side.

Common questions

About dual pricing programs.

? How is this different from surcharging?
Surcharging adds a fee on top of one listed price when a customer pays by card. Dual pricing posts two prices up front — a cash price and a card price — and the customer picks. It’s a discount for cash, not a surcharge on cards, which is why it’s accepted in all 50 states and simpler to disclose.
? Will customers be upset?
A small percentage will, especially the first time. Most don’t — two posted prices are increasingly common at counter-service restaurants, gas stations, and small retail. The signage and on-screen prompt do the heavy lifting; we provide templates.
? Can I run dual pricing at one location and standard pricing at another?
Yes. Each location runs its own MID and its own program. Many merchants run dual pricing at their high-traffic counter-service location and the Swiped Program at a flagship full-service location.
? What happens if a customer pays with a debit card?
They pay the posted card price — we never add a surcharge to debit. The program is configured so debit transactions stay compliant.
? Can I switch off dual pricing later?
Yes — we can switch you to the Swiped Program (one flat per-transaction rate, set on your proposal) at any time. Most merchants keep dual pricing for at least 12 months to see the full annualized benefit.
Ready to see the math?

Send a statement, get both quotes side by side.

We’ll quote your Swiped Program rate (one flat per-transaction rate) and your dual pricing setup in the same proposal. You decide which makes sense for your business.

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