Dual pricing gives your customers a choice: cash or card? Both prices are posted clearly posted so they decide how to pay. The card price includes processing costs; the cash price reflects a discount.

Transparent. Compliant when implemented correctly. Easy to roll out across in-store, mobile, and online payments.
 

With dual pricing, businesses can reduce or even eliminate credit card processing fees without raising base prices. Customers see their options upfront, which builds trust and avoids surprises at checkout. When set up properly, dual pricing preserves margins while maintaining a smooth, customer-friendly payment experience.

 What Is Dual Pricing?

Dual pricing is a transparent pricing model where you display two prices for each item or service: a cash price and a card price. Customers see both options before paying and choose the method that’s best for them.

Unlike adding a fee at the register, dual pricing posts both prices upfront on the shelf, menu, website, or invoice so there are no surprises at checkout and receipts reflect the customer’s chosen price.

How Dual Pricing Works

• At checkout: Your POS, terminal, or e-commerce cart displays both prices. When the customer selects card or cash, the receipt shows the corresponding price no last-second add-on fees.
• Required visibility:
  • Signage at entry/point-of-sale explaining cash and card prices are available.
  • Item-level display showing both prices wherever prices are shown (shelves, menus, screens, online product pages, invoices).
  • Receipt transparency indicating the payment method and the price applied.

Where it works

• Retail
• Restaurants
• Quick-serve
• Service businesses (salons, auto, home services)
• Professional services

•  E-commerce.

   

Example flow:

• Customer sees “Cash $20.00 | Card $20.80” on item/menu.
• Customer chooses payment method.
• Receipt prints or emails showing “Payment Method: Card” and “Total: $20.80”.

Why Businesses Choose Dual Pricing

• Reduce or eliminate processing costs while keeping your advertised cash price competitive.
• Preserve margins on card transactions without inflating your baseline price across the board.
• Easy for customers to understand: prices are clearly labeled, so the choice feels fair and upfront.
• Fewer price objections: customers see value in both options (cash savings vs. card convenience).
• Clean reporting: POS and statements reflect cash vs. card volumes for simpler reconciliation.

Compliance and Pricing Models Compared 

Pricing Models at a Glance:

How It Works with Beacon Payments

At Beacon Payments, we make dual pricing simple, seamless, and compliant.

• Dual pricing-ready POS systems and terminals (retail, restaurant, mobile, and e-commerce).
• Guided setup for receipts, signage, and disclosures so customers see both prices clearly.
• Staff training on how to explain the program and handle common questions.
• Ongoing compliance support with Visa/Mastercard rules and applicable state regulations.
• No hidden fees, quick rollout, detailed reporting, U.S.-based support.

Whether you run a restaurant, retail store, auto repair shop, or service business, our solutions align with your workflow and customer experience.

Ready to Stop Overpaying on Processing Fees?

If you're looking for a way to keep more of your hard-earned revenue without sacrificing customer trust, dual pricing may be the perfect solution.

Contact us today and find out how much you could save with Beacon Payments.

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