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Dual pricing allows a business to offer customers two prices: a cash price and a card price. Customers see their payment options upfront and choose how they want to pay. This can help businesses offset the cost of accepting card payments while giving customers a choice. 

With dual pricing, the cash price and card price are presented to the customer as different prices. A surcharge, on the other hand, adds a separately disclosed fee to eligible credit card transactions. Surcharge programs also have specific card-brand requirements and cannot be applied to debit or prepaid cards. 

With dual pricing, both the cash and card prices are presented to the customer. With a cash discount program, the posted price is generally the card price and customers receive a discount when they pay with cash. The best option depends on your business, location, equipment, and how you want to present pricing to your customers. 

Yes. A properly structured dual pricing program can significantly offset the processing costs associated with card payments. Your actual savings will depend on your sales volume, average ticket, card mix, and program structure. We'll help you review the numbers so you can see the potential impact on your business. 

Dual pricing programs are widely used, but requirements can vary based on state laws, card-brand rules, and how the program is structured. PDQuick works with Host Merchant Services to help configure your program in accordance with the applicable processor, card-brand and disclosure requirements.  Program availability and requirements vary by business type and jurisdiction. This information is not legal advice. 

A properly structured dual pricing program is different from a credit card surcharge. Because the customer is choosing between posted cash and card prices rather than being charged a credit-card-specific surcharge, the treatment of card types can differ. We'll help make sure your program and equipment are configured appropriately. 

Yes—and that's important. Dual pricing is built around transparency. Customers should be able to clearly see their payment options before they complete their purchase, allowing them to decide whether they prefer to pay the cash price or the card price. 

 Proper disclosure is an important part of implementing a dual pricing program. Depending on your business and program structure, pricing and payment options may need to be clearly displayed on menus, shelves, signs, registers, or checkout screens. We'll help you understand what is needed for your specific setup. 

Customer acceptance often comes down to how the program is presented. Clear, upfront pricing gives customers a choice rather than surprising them with an unexpected fee at checkout. We can help you implement the program in a way that is easy for both your customers and employees to understand. 

That depends on how your dual pricing program is structured and how your business displays prices today. Restaurants, retail stores, service businesses, and other merchants may each handle pricing differently. We'll review your current setup and help determine the simplest way to implement the program correctly. 

Not necessarily. Compatibility depends on your current equipment, processor, and POS system. PDQuick will review what you're using today and determine whether your existing equipment can support the program or whether another solution would be a better fit. 

Program availability depends on the processor, hardware, software, and configuration. PDQuick and Host Merchant Services work with a variety of payment technologies and platforms, including solutions from Clover, PAX, Valor, Dejavoo, and others. We'll help match the right technology to your business and pricing program. 

Dual pricing isn't the only option. Depending on your business, traditional interchange-plus pricing, cash discounting, or another processing structure may be a better fit. We'll help you compare your options instead of trying to force every business into the same program. 

Absolutely. We don't believe in handing you equipment and leaving you to figure it out. PDQuick and Host Merchant Services help coordinate the program setup, payment equipment, processing configuration, and required disclosures so you can focus on running your business. 

It starts with a conversation. We'll look at your current processing costs, sales volume, average ticket, industry, equipment, and how your customers typically pay. Then we'll help you compare your options and determine whether dual pricing—or another payment strategy—makes the most sense for your business.