Dual pricing
Keeps the mostup to —/yr
Customers who pay by card pay the card price, which covers processing. You net the cash price.
How dual pricing works
Fees, retained.
Stop paying to get paid.
Every card payment costs you around 3%. FeeTain helps plumbers, HVAC companies, landscapers, and every business that takes cards keep that money, with dual pricing, a credit-only surcharge, or simply a better rate.
- Dual pricing & 3% credit surcharging, done compliantly
- Plugs right into QuickBooks Online
- ACH for $0.20 a payment
Northside Plumbing & DrainInvoice #2047 · Paid on site
Water heater install · 50 gal
- Cash price
- $2,400.00
- Card price
- $2,496.00
Total · Card •••• 4242$2,496.00
Approved
Pay with cash or check and save $96.00
You keep$2,400.00
Card feeCovered by card price
Built for
Three ways to keep more
Choose how much of the fee you want to keep.
Most of our merchants choose dual pricing because it keeps the most. All three run on the same processing, hardware, and support, and you can change programs later.
01Keeps the most
Dual pricingCash discount
Card customers cover the cost of the card.
Post a cash price and a card price. Customers choose how to pay, and the card price covers your processing. You net the cash price on every sale.
- Works on every card, credit and debit
- Both prices on the terminal and receipt
- Door and counter signage included
02Credit cards only
Surcharging3% on credit only
Add 3% to credit cards. Never debit.
Keep your posted prices exactly where they are. Credit card customers pay a disclosed surcharge, and debit cards are detected and never surcharged.
- Debit detected automatically
- Your posted prices stay the same
- Disclosures and receipts handled
03You absorb the fee
Lower ratesAbsorb it for less
Absorb the fee. Just pay less of it.
Rather not pass anything on? We’ll move you to transparent pricing and strip out the markups and junk fees hiding in your statement.
- Transparent, cost-plus pricing
- Junk and padded fees removed
- Free line-by-line statement review
Savings calculator
See what you’d keep.
Move the sliders to match your business. The numbers update as you go.
Your numbers
$5k$500k+
1.5%5%
Not sure? Total fees ÷ total card sales on your last statement. Most small businesses land between 2.9% and 3.5%.
All debitAll credit
Today you're paying about — a month —— a year — just to accept cards.
Surcharging
3% credit only—/yr
Debit cards can't be surcharged, so you'd still cover about —/mo in debit fees.
How surcharging worksLower rate
You absorb it—/yr
Saved for every 0.25% we cut from your rate. Send a statement and we'll show you your real number.
Get a statement reviewEstimates for illustration only. Results depend on your card mix, average ticket, pricing program, and state and card-brand rules. Surcharges are capped at 3% and at your actual cost of acceptance.
Easiest ways to get started
Up and running without the headache.
The fastest setup depends on how you get paid today. Here’s where most of our merchants start.
Fastest
Already on QuickBooks Online?
Our processing plugs right into QBO. Keep invoicing the way you do now. Customers pay from the invoice and payments post back automatically.
See the QuickBooks setup
Simple
Need a station in the office?
A countertop terminal at the front desk plus a virtual terminal for phone payments, set up for your pricing program and supported by EdgeOne.
See office stations
Storefronts
Brick-and-mortar location?
Upgrade to a new POS, or keep the setup you have and just stop overpaying on cards. Either way, we handle the switch.
See POS optionsBuilt for the trades
Made for businesses that get paid on the job.
Big tickets mean big card fees. That’s why home-service companies see some of the biggest savings, especially anyone billing customers on a recurring schedule.
Plumbing
Emergency calls, water heaters and repipes, paid before the truck leaves.
$2,400 water heater install$72 in card fees
See the setup
Landscaping
Weekly service on autopay, ACH for commercial accounts, card fees covered on big installs.
$8,500 patio & hardscape install$255 in card fees
See the setup
HVAC
System replacements and maintenance agreements without the 3% haircut.
$9,500 heat pump replacement$285 in card fees
See the setup
Recurring Payments
Service plans, memberships and retainers, charged automatically.
100 customers at $150/month$450/mo in card fees
See the setup
ACH paymentsHow ACH works
Big invoice? Get paid by ACH for 20¢.
Card fees grow with the invoice. ACH doesn’t. Move your big jobs, deposits, commercial accounts, and recurring customers to bank payments for a flat $0.20 each.
$15per month
+$0.20per transaction
No percentage. No tiers.You keep — more on this one invoice.
ACH is $15/month + $0.20 per transaction. A single ~$507 invoice paid by ACH instead of card covers the whole month.
How it works
Four steps to keeping your fees.
- 01
Send us a statement
Or just your monthly card volume. We review it line by line, for free.
- 02
Pick your program
See dual pricing, surcharging, and a lower rate side by side, in real dollars.
- 03
We set you up
We connect QuickBooks or ship your terminals, with compliant signage and receipts.
- 04
Keep the fees
Get paid the way you do today, and keep what you used to give away.
One team, one number
Real people, backed by serious infrastructure.
No generic sales inboxes and no getting bounced between companies. You work with FeeTain, and we work with the partners behind your account.
Your team
FeeTain
Pricing, setup, signage and compliance, statement reviews, and the number you call. Every question starts and ends with us.
Processing
Hyfin
The processing platform behind your account and deposits, including the connection to QuickBooks Online.
Hardware support
EdgeOne
Support for the terminals and POS equipment FeeTain supplies, from first setup to troubleshooting.
FAQ
Questions we hear every day
Don't see your question? Ask us directly — there's usually a solution, even for the exceptions.
What’s the difference between dual pricing and surcharging?
With dual pricing, you post two prices — a cash price and a card price — and the customer chooses. It applies to every card, credit or debit, and typically covers nearly all of your processing cost. With surcharging, you add a fee of up to 3% to credit card transactions only; debit cards are never surcharged, so you still cover the fees on debit. Dual pricing keeps the most. Surcharging keeps your sticker price unchanged.
Is dual pricing legal?
Yes. Offering customers a discount for paying with cash is protected under federal law, and dual pricing is used by everyone from gas stations to auto shops. The key is doing it correctly: both prices clearly posted, both prices shown on the receipt, and staff who can explain it. We set up your terminal, receipts, and signage so it’s done right from day one.
Won’t my customers be upset?
In our experience, very few are. Customers have seen cash and card prices at the gas pump for decades. Most simply pay by card — and the ones who prefer to save a few dollars pay by cash or check. Either way, you keep your margin.
Can I surcharge debit cards?
No. Card-brand rules and federal regulations prohibit surcharging debit and prepaid cards, even when a debit card is run as credit. Our terminals identify the card type automatically, so the surcharge is only ever applied to credit cards. If you want to cover the cost on every card, dual pricing is the better fit.
I don’t want to pass fees to customers. Can you still help?
Absolutely. Plenty of our merchants absorb the cost. In that case we put you on transparent pricing and strip out the markups and junk fees your current processor may be charging. Send us a recent statement and we’ll show you, line by line, what you’d save.
I use QuickBooks Online. How hard is it to switch?
It’s the easiest setup we do. Our processing plugs right into QuickBooks Online, so you keep invoicing exactly the way you do today. Customers pay from the invoice, and payments post back to QuickBooks automatically — no double entry.
What does ACH cost?
ACH is $15 a month plus $0.20 per transaction. That’s it — no percentage of the invoice. On a $5,000 job, that’s twenty cents instead of roughly $150 on a card.
Who do I call if something goes wrong?
Us. FeeTain is your point of contact for pricing, setup, statements, and questions. Behind us, Hyfin handles processing and EdgeOne supports the hardware — but you never have to figure out who to call or email a generic sales inbox.
Find out what you’d keep.
Send us a recent processing statement — or just your monthly card volume — and we’ll show you, side by side, what dual pricing, surcharging, and a lower rate would put back in your pocket.