Dual pricing isn't a trick or a loophole. It's the same model every gas station in America has run for years, made simple and fully managed for your counter.
Every item gets a cash price and a card price, displayed clearly in compliance with card-network and state rules. We handle all the signage, the terminal programming, and the setup — you don't configure anything.
At checkout, both prices show on the terminal screen. Customers paying cash get the lower price. Customers paying card pay the card price, which includes the processing fee. It's transparent, it's their choice, and it's exactly what they already experience at the pump.
Because the processing fee rides inside the card price, your settlement reflects the full value of every sale. The fee never comes out of your deposit. On qualifying accounts, that money is funded the same day — paid by noon.
On $80,000/month in card volume at a typical 3.5% rate, dual pricing puts roughly $2,800 a month — about $33,600 a year — back in your pocket.
Yes. Dual pricing is legal in all 50 states and compliant with Visa and Mastercard rules when implemented correctly — which is our job, not yours. It's different from surcharging (which has stricter limits): dual pricing simply presents a cash price and a card price up front. We keep your program compliant as the rules evolve.
In practice, no. The card price difference is small, it's the same thing customers see at every gas station, and cash-paying customers are happy to get the lower price. Most owners see no drop in card usage and a noticeable bump in cash.
No. Surcharging adds a fee on top of one posted price and carries stricter rules and caps. Dual pricing posts two prices up front — a cash price and a card price. We implement the compliant version for your state and business type.
No — it's completely optional. If you'd rather run traditional flat-rate or interchange-plus pricing, we do that too. Dual pricing is simply the option that takes your processing cost to zero.
We handle compliance. Your program is configured to your state's requirements and the card networks' rules, and we keep it current as regulations change.
Bring a recent statement and we'll show you exactly what you're paying now — and what you'd keep with Pacta.