Your processing fees, gone. A free terminal that arrives ready to run, same-day funding paid by noon, and a real person every time you call. Stop losing 3% on every sale.
Dual pricing is a fully legal model, supported in all 50 states, that shifts the card fee to card-paying customers, transparently and with their consent. Completely optional. The same model every gas station in America already runs.
You absorb the full processing fee on every transaction. On $80,000 a month, that's $3,200 out of your pocket, every month, forever.
Card customers cover the processing fee. Cash customers get a small discount. You keep 100% of every sale. Fully legal, fully supported, completely your choice.
Drag the slider to your monthly card volume. The math is the math.
Calculated at 4%, the card price your customers cover. Typical rates owners pay today run 3 to 4%. Get your real number, free →
A modern Android terminal that does everything your counter needs, and arrives pre-configured for dual pricing, so your fees are zero from the first sale.
Every setup includes a pre-programmed terminal, real staff training, and a direct line to a real person, not a ticket queue.
The program that ends processing fees. Free terminal, zero fees, arrives ready to run.
A full register for counters that want more than a terminal, on the same zero-fee foundation.
Online ordering that doesn't bleed you on commissions. Orders across every channel, one place.
Log in from any device and see exactly where your money is. Deposits, batches, disputes, and summaries, all in plain language.
Every item gets a cash price and a card price, displayed in compliance with card-network and state rules. We handle all signage and setup. It's the same model as every gas station you've driven past.
At checkout, both prices are shown clearly. Cash customers pay the lower price. Card customers pay the card price, which includes the processing fee. The choice is theirs, in the open.
Because the fee rides inside the card price, your settlement reflects the full value of every sale, funded the same day, by noon, for qualifying merchants. Nothing skimmed, nothing hidden.
Dual pricing applies to in-person, card-present transactions and is fully optional. All programs are implemented in compliance with Visa, Mastercard, and applicable state regulations.
| What you get | Pacta Payments | Square | Stripe |
|---|---|---|---|
| Processing rate | 0% with dual pricing | 2.6% + $0.10 | 2.9% + $0.30 |
| Terminal | Free, arrives ready | You buy it | You buy it |
| Setup & migration | Done for you | DIY | DIY |
| Funding speed | Same day, paid by noon | 1 to 2 business days | 2 business days |
| Dual pricing support | Yes, fully managed | No | No |
| Support | A real person, 24/7 | Standard support | Standard support |
| High-risk & regulated | Yes | Limited | Limited |
| Monthly minimums & junk fees | None | Varies | Varies |
Same-day funding available for qualifying merchants, subject to cutoff times. Competitor details reflect published standard pricing and may change.
Every Pacta merchant gets a dedicated contact who knows your business. Reach them directly, not through a general line. When something needs resolving, you talk to someone who knows your account, not a queue.
Batch out at close and qualifying merchants see funds by noon the next business day, not "2 to 3 business days." No rolling reserves or surprise delays on standard accounts. Your money moves on a predictable schedule.
No waiting on anyone, and no manual-in-a-box either. Your terminal arrives activated with your prices programmed. Plug it in, and a real person gets your staff comfortable the same day. Hardware issue, ever? A replacement is overnighted. Nobody gets left alone with a box.
If your processor has ever frozen your account or made you jump through hoops, we're the opposite: stable accounts, compliant infrastructure, and a team that actually understands your business.
Pacta works for any business that accepts cards at a counter or in the field, full stop. These are just the industries where we see owners save the most.
High volume and thin margins. Exactly where dual pricing changes everything.
Stable accounts for shops other processors freeze without warning.
Independent and international markets running serious daily volume.
Big tickets where 3 to 4% is real money. Keep all of it instead.
Fast terminals that run tabs, take tips, and survive a Friday-night rush.
Salons, repair, retail, services. If customers tap, swipe, or insert, you're covered.
Plain-English guides on dual pricing, processing fees, and getting paid faster. Written for owners, not bankers.
What dual pricing is, how it differs from surcharging, and why it's legal in all 50 states.
Read the guide →
The line items processors bury, what each one means, and which you can kill outright.
Read the guide →
Why funding speed matters more than most owners realize, and how to get paid by noon.
Read the guide →Hop on a call and we'll pull apart what you're really paying now, and what you'd keep with Pacta. Standard approvals issued within one business day. Prior processing history doesn't disqualify you.