Services
Dual pricing and credit card surcharge
Pass card fees to customers, by the rules, or run a cash discount instead.
If you want to stop paying card fees yourself, we set up a compliant credit card surcharge, a cash discount program, or dual pricing, sized to the real card cost, not padded to pad our margin. The rules vary by state, and we keep yours straight.
The honest part
A surcharge should pass on the real card cost, not hide extra processor margin under the cover of fees. Ours passes the real number.
What is included
- Compliant surcharge program setup
- Dual pricing and cash discount options
- Correct signage and receipt disclosure
- State-by-state rules kept current
How it works
Pick a program and go live
Pick surcharge or cash discount
A surcharge adds a clearly disclosed line when a customer pays by credit card. Dual pricing and cash discount make the card price the standard price and reward cash. Same goal, different feel at the counter, and we help you choose.
Set it up by the rules
We size the program to your real card cost, configure your terminal or POS to apply and disclose it correctly, and get your signage and receipts right so you stay compliant.
Stop paying the card fees yourself
Once it is running, the cost of accepting credit cards moves off your books, legally and transparently, without padding extra margin into the number.
A surcharge should pass the real cost, nothing more
The whole point of a credit card surcharge is to recover what the card actually costs you, not to become a quiet profit center. Some processors set the surcharge high and pocket the spread, which is exactly the hidden markup we exist to kill. We size your surcharge to the genuine card cost and show you the math, so your customers are charged fairly and you stay on the right side of the rules.
The rules vary by state, and they moved recently
Whether and how you can surcharge depends on your state, and the rules shifted in 2025 and 2026, so a lot of older guidance is now wrong. Debit cards have their own restrictions, disclosure has to happen before the sale, and the receipt has to show the fee. We keep your program current as the rules change, so a compliance gap never becomes your problem. Where surcharging is restricted, a cash discount program usually gets you to the same place.
Questions
Surcharge and dual pricing, answered plainly
A surcharge adds a disclosed fee when someone pays by credit card. Dual pricing and cash discount make the card price the normal price and give cash customers a small break. Both move the card cost off you. They just feel different at the counter.
It depends on the state, and the rules changed in 2025 and 2026. We keep your program compliant with current local rules, including disclosure and debit restrictions. Where surcharging is limited, we set up a cash discount instead.
Usually not. When the fee is disclosed up front and sized to the real card cost, most customers take it in stride, and cash payers often appreciate the discount. We never set it high enough to feel like a gouge.
Every service, one published price.
Send your last statement and we will show you what this would cost at interchange plus a dime, before anyone calls you.