Yes! Dual pricing is 100% legal in all 50 states when implemented correctly. The Durbin Amendment, part of the Dodd-Frank Act, explicitly allows businesses to offer discounts for cash payments as long as they are clearly disclosed. Visa and other card networks also permit dual pricing, provided merchants follow compliance rules, such as displaying both cash and credit prices prominently.

Research shows that when the payment options are clearly displayed, they feel empowered to choose what works best for them. Most customers report seeing the cash price as a reward rather than a penalty. Studies also indicate that this model can enhance trust and loyalty when communicated effectively.

Dual pricing is simple to implement with our selection of modern POS systems. These systems automatically calculate and display both prices, ensuring a smooth checkout process. Additionally, clear signage and training for your staff help avoid confusion and ensure a positive customer experience.

Not a problem! Your Free Credit Card Processing system won’t discourage card payments—it simply gives customers the power to choose. Many businesses find that offering a lower cash price incentivizes cash payments without upsetting credit card users.

Yes. To stay compliant with card network rules and state laws, you must display both cash and credit prices clearly. The posted price should reflect the credit card price, with the cash price shown as a discount. Proper signage is key to avoiding penalties or fines from card networks like Visa.

Dual pricing is ideal for small brick-and-mortar businesses like retail stores, restaurants, salons, and service providers with the following characteristics: More than 1-year of Merchant Statements, $30k+ in Gross Monthly Processing Volume, Average Ticket above $35, Average Ticket below $1,000, 70% or more in card-present transactions

Debit cards cannot be surcharged under federal law, so any debit transactions will still incur standard processing fees. However, many businesses find that savings from credit card transactions far outweigh these costs.