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
Dual pricing & cash discount
Let card customers cover the cost of the card.
Dual pricing shows every customer two prices: a cash price and a card price. They choose how to pay. When they pay by card, the card price covers your processing, so you keep the full cash price on every sale. Of all our programs, it keeps the most.
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
How it works
Two prices. One choice. Zero fees off your margin.
- 01
Post two prices
Your terminal, receipts, and signage show a cash price and a card price for every sale.
- 02
Your customer chooses
Cash and check customers pay the cash price. Card customers, credit or debit, pay the card price.
- 03
You net the cash price
The card price covers the cost of processing, so the full cash price is what you keep.
Two ways to present it
Dual pricing or cash discount?
Same result, different presentation. We’ll help you choose what fits your business and set it up correctly.
Most common
Dual pricing
Both prices are shown side by side: on your estimate, terminal, and receipt. Customers see the choice up front, before they pay.
Cash$1,000.00Card$1,040.00
Best for: field service, contractors, and any business that writes estimates.
Alternative
Cash discount
Your posted price is the card price, and customers who pay with cash or check receive a discount at checkout. It’s presented as a savings.
Price$1,040.00Cash discount−$40.00
Best for: storefronts that don’t want to reprint price lists or menus.
What’s included
Everything you need to do it right.
The difference between a smooth dual pricing rollout and an awkward one is setup. We handle it.
Terminal setup
Your terminals are set up to show and charge both prices automatically. Nothing to calculate at checkout.
Compliant receipts
Every receipt shows the cash price and the card price, so the choice is always clear.
Door & counter signage
Plain-English signs that explain the program before the customer reaches the register.
Estimates & invoices
Guidance for showing both prices on quotes, invoices, and QuickBooks Online.
Staff talking points
A one-sentence explanation your techs and front desk can use with confidence.
Ongoing support
Questions after go-live? Call FeeTain. Hardware support is backed by EdgeOne.
Why customers don’t push back
They already know how this works. They see it at the gas pump.
Cash and card pricing has been standard at gas stations for decades. Customers who want their card rewards pay the card price. Customers who want to save pay cash. Either way, you stop paying for it.
- Card customers keep their convenience and rewards points.
- Cash customers get a better price, and they notice.
- You stop funding card rewards out of your own margin.
- Your team gets a simple, honest way to explain it.
Savings calculator
What would dual pricing keep for you?
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.
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.
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.
Who supplies and supports the hardware?
FeeTain supplies your terminals and POS equipment, set up for your pricing program. Hardware support is provided by our partner EdgeOne. And you always have one number to call first: ours.
Ready to stop paying to get paid?
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.