Dual Pricing is a merchant pricing model that transparently displays two prices for products or services: one price for customers paying with cash or debit, and a slightly higher price for those paying with credit cards. This approach allows merchants to pass on the cost of credit card processing fees only to those who use cards, without raising prices for cash-paying customers.

Unlike surcharging, which adds an explicit fee at checkout, dual pricing shows both prices upfront so customers can make an informed choice before purchase. This model helps businesses maintain healthy margins while rewarding customers who pay with lower-cost methods.

Dual Pricing is fully compliant with card network regulations and federal laws, provided merchants clearly display both prices on signage, receipts, and at the point of sale. It works well in retail environments, service industries, and anywhere payment flexibility is important.

By adopting Dual Pricing, merchants improve price transparency, reduce hidden costs, and give customers an incentive to pay with cash or debit — helping reduce expensive card fees that cut into profits.

Setting up Dual Pricing requires compatible payment terminals that can display the correct price based on the payment method, proper staff training, and effective customer communication. When implemented properly, Dual Pricing can lead to significant savings without confusing or alienating customers.