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
Lower rates
Rather absorb the fee? Stop overpaying it.
Not every business wants to pass the cost on to customers, and that’s fine. We move you to transparent, cost-plus pricing, strip out the padded fees, and show you exactly what you pay and why.
Example statement3.10% effective rate
- InterchangeSet by the card brands1.95%
- Network feesSet by the card brands0.14%
- Processor markupThis is the part we cut1.01%
We go after the markup, the only part that’s negotiable.
What’s actually in your rate
Your rate has three parts. Only one is up for negotiation.
Fixed
Interchange
Set by Visa, Mastercard, Discover, and Amex, and paid to the bank that issued the card. It’s the same no matter who processes for you, and no one can honestly promise to lower it.
Fixed
Network fees
Small assessments charged by the card brands on every transaction. Also fixed, and also passed straight through.
Where you overpay
Processor markup
Everything else. Padded rates, “non-qualified” surcharges, and junk fees hide here, and this is where we save you money.
Free statement review
What we look for on your statement.
Send any recent processing statement. We’ll go through it line by line and flag anything that shouldn’t be there.
- Tiered pricing with “mid-qualified” and “non-qualified” downgrades
- Rate increases announced in tiny print on your statement
- PCI non-compliance fees you didn’t know you were paying
- Monthly minimums, “statement,” and “regulatory” fees
- Annual fees and padded per-transaction fees
- Expensive, non-cancellable equipment leases
You get a side-by-side, in dollars
- 1 What you pay today, including the fees you didn’t know about
- 2 What you’d pay on transparent FeeTain pricing
- 3 What you’d keep with dual pricing or surcharging instead
No obligation, and no pressure to switch programs. If your current deal is good, we’ll tell you.
Send my statementSavings calculator
Every quarter-point adds up.
See what a lower rate is worth, and compare it to what you’d keep with dual pricing or surcharging.
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.
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.
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.
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.
How long does it take to get started?
QuickBooks Online merchants are usually the fastest — the integration plugs in right away. Office stations and storefront terminals depend mainly on approval and shipping. We’ll give you a clear timeline when we review your account.
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’re really paying.
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.