Dual Pricing & Surcharge
Most of our clients are paying less than 1%—some even pay 0%!
Business Owners Are Tired of Paying Fees
Many businesses today are fed up with rising credit card processing costs—and for good reason. Between interchange increases and endless cardholder perks, the burden keeps falling on the same group: you, the business owner.
Many of our clients now pay less than 1% in processing fees—and some pay 0%—with compliant dual pricing solutions.
Why Processing Fees Keep Rising
Credit card companies continue to roll out incentives for consumers—cash back, travel rewards, free DoorDash and Uber perks, rental car insurance, and more.
Those benefits aren't free.
They're funded by merchant processing fees, which have steadily increased year after year. If you accept cards, you're helping pay for those rewards programs.
The Shift: Businesses Taking Back Control
Over the past five years, dual pricing and surcharge programs have surged in popularity:
Why not you? Why not now?
It's Not About Upsetting Customers
The real question isn't:
"Will my customers get upset?"
It's:
"What could I do with thousands of extra dollars every month?"
Our clients have used their savings to:
- Launch new advertising campaigns
- Hire employees or give raises
- Pay down debt faster
- Upgrade equipment (yes—even finally fix that ice machine)
Pricing Strategies Explained
Traditional Pricing (Interchange Plus)
A long-standing pricing model where you pay all processing fees.
- Cost = Interchange (set by card brands) + processor markup
- Transparent, but offers no fee relief
Flat Rate Pricing
Simple bundled pricing used by platforms like:
- Square (2.6% + $0.15)
- Stripe (2.9% + $0.30)
- Easy to understand
- Typically more expensive at scale
Dual Pricing
Most PopularOne of the most effective ways to eliminate processing fees. Instead of adding a "fee," your system displays:
This approach:
- Removes awkward 'fee' conversations
- Keeps pricing transparent for customers
- Typically offsets 100% of processing costs
Best Fit Businesses:
Surcharge (Targeted Savings)
With surcharge:
- Fees are applied only to credit card transactions
- You still pay for debit card processing
Typical Savings:
40%–70%
reduction in processing fees
Requirements:
- Proper signage
- Registration with card brands
- Clear disclosure (e.g., on menus for restaurants)
Best Fit Businesses:
The Cost of Accepting Cards Isn't Going Away.
But the way you handle those costs has evolved. You now have compliant, customer-friendly options to:
- Reduce fees dramatically
- Improve cash flow
- Reinvest in your business
Stop Paying More Than You Have To
Thousands of business owners are already making the switch.
Free Savings Estimate
How Much Are You Overpaying?
Enter your monthly processing volume and current rate to see your estimated annual savings.
Your Current Setup
3% passed on to credit cards only. See Details
The success of a surcharge program depends on your unique customer payment mix. Factors such as industry, geographic location, customer demographics, average ticket size, and the percentage of credit versus debit card transactions all play a role. Before making a recommendation, we review your processing statements and transaction data to determine whether a surcharge program is the right fit for your business.
Typical rates by processor:
Your Estimated Savings
* Actual savings vary by business type and volume. Contact us for your specific pricing.
Schedule a 15-Min
Strategy Call
Ready to explore a different tech stack for your business, understand pricing strategies you have heard of but no one has explained, or just get a second opinion on your processing environment? I'm here. No pressure, no jargon — just real advice.
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