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
For heating & air companies
A $9,500 install shouldn’t cost $285 to get paid.
HVAC tickets are some of the largest in home services, which makes card fees some of the most painful. FeeTain keeps that cost off your margin with dual pricing or a credit-only surcharge, moves big installs to $0.20 ACH, and runs your maintenance agreements on autopay.
Heat pump replacement$9,500
- Card fee you absorb today at 3%−$285.00
- With FeeTain dual pricingCovered
- Paid by ACH instead$0.20
Up to $285.00 back in your pocket on this job.
Sound familiar?
Where hvac companies lose money getting paid.
The biggest tickets carry the biggest fees
At 3%, a $9,500 replacement costs $285 to collect. Ten a month is more than $34,000 a year.
Maintenance agreements that lapse
Renewals that depend on someone remembering to send an invoice, and a customer remembering to pay it.
Deposits and progress payments
Collecting a deposit before ordering equipment shouldn’t mean another 3% on top of the install.
Your FeeTain setup
What we’d recommend.
Every business is a little different, and there’s usually a solution for the exceptions. Here’s where most hvac companies start.
Dual pricing
Quote a cash price and a card price. Card-paying customers cover the processing cost.
Learn moreOr a 3% credit surcharge
Keep your sticker price and add 3% to credit cards only. Debit is never surcharged.
Learn moreACH for big jobs
$0.20 per payment on installs, deposits, and commercial accounts. No percentage.
Learn moreRecurring billing
Card or bank on file, charged automatically on the schedule your customer agrees to.
Learn more- Dual pricing or a 3% credit surcharge on service calls and installs
- ACH for deposits, progress payments, and full system replacements
- Recurring billing for maintenance agreements and service plans
- Wireless terminals for techs, plus an office station for the front desk
- Payments sync to QuickBooks Online automatically
Savings calculator
Run your own numbers.
We’ve started you with a typical hvac business. Adjust it to match yours.
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.
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.
Can I charge customers automatically every month?
Yes. With the customer’s authorization, you can store a card or bank account on file and schedule payments weekly, monthly, quarterly, or annually — ideal for maintenance agreements, service plans, and memberships. Recurring ACH keeps the cost to twenty cents per payment.
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.
Other industries we serve
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.