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What is it?

Two Prices, One Honest System.

Dual pricing means you display two prices for every item: the regular card price and a discounted cash price. The card price is the standard price of the item, while customers who pay with cash receives a discount.
Customers see both prices upfront and choose how they want to pay. There's no surprise fee at checkout, no hidden line item, and no confusing math—just transparent pricing that helps your business stop absorbing card processing fees.
Cash Price

$10.00

Discount Applied
Card Price

$10.40

Standard Card Price
Dual Pricing in Action

Two Ways to Stay Compliant.

Show both cash and card prices side by side, or display the card price and let customers know they can save by paying with cash.

All 50 States

Legal Nationwide

2017

SCOTUS Protected

Up to 4%

Saved on Card Transactions

No Cap

On Monthly Savings
Is it legal?

Yes — in all 50 states.

Federal SCOTUS protection

2017 unanimous ruling protects price-display rights nationwide.

Compliant with Visa & Mastercard

Card-network rules permit dual pricing when properly disclosed.

Approved by NY State

NY Department of State explicitly lists dual pricing as compliant.

Works in States with Surcharge Bans

Legal alternative in CA, CT, MA, ME — where surcharging isn't.
Dual pricing is legally distinct from surcharging. Even in states where credit card surcharges are restricted or banned (like California, Connecticut, Maine, and Massachusetts), dual pricing is permitted because both prices are posted upfront rather than added at checkout.
The legal foundation goes back to a unanimous 2017 U.S. Supreme Court ruling (Expressions Hair Design v. Schneiderman), which protects merchants' right to display different prices for different payment methods. Federal courts have consistently upheld this since.
The Benefits

The Benefits of Switching Now.

Works Across Industries

Works Across Industries

Restaurants, retail, salons, gyms, convenience stores, professional services, B2B — if you accept cards, dual pricing can work for you. No minimum volume required, no industry restrictions.
Clear, Upfront Pricing

Clear, Upfront Pricing

Both prices are posted upfront — on signage, menus, and shelves. Customers always know the price before they pay, so there are no surprises at checkout.
More Predictable Expenses

More Predictable Expenses

With dual pricing, your processing costs stay consistent on every transaction—giving you a clearer, more predictable view of monthly expenses.
Customer Choice at Checkout

Customer Choice at Checkout

Customers can choose to pay by card or cash. Card payments are always accepted, while cash payments receive a discounted cash price. Customers simply choose the option that works best for them.
Common Misconception

Dual Pricing vs. Surcharging.

Recommended

Dual Pricing

Card price includes processing costs

Legal in all 50 states

No card-network registration required

Customers see both prices before paying

Applies to credit and debit equally

Works in surcharge-ban states

Surcharging

Processing fee added at checkout

Banned or restricted in CA, CT, MA, ME

Requires 30 day notice to card networks

Customers see surprise fee at checkout

Cannot be applied to debit cards

Capped at 4% by card networks

How it works

From Signup to First Savings.

01

Send Your Processing Statement

Email us a recent processing statement. We'll provide a personalized estimate of your potential monthly savings.
02

Get Your Setup

We program your terminal, ship signage, and walk your team through implementation.
03

Go Live

Most merchants are running dual pricing within 3 business days of signup.
04

Keep More Revenue

Watch your processing fees drop. Keep more of every sale.
Official New York State Resource

How Dual Pricing Works

Reference Document

Read the Full Document

Browse the MTech Distributors document right here on the page — no download needed.

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Common Questions

What Merchants Ask Us Most

In our experience across 5,000+ merchants, customer attrition is minimal when dual pricing is properly disclosed. The key is upfront transparency — customers don't feel ambushed because both prices are posted everywhere. Many merchants report customer goodwill improving because cash-paying customers appreciate the discount.

Savings depend on your monthly card volume and current processing rates. A merchant doing $10,000/month typically saves about $400/month. A merchant doing $100,000/month saves around $4,000/month. Send us a recent statement and we'll give you an exact number for your business.

Yes — this is one of the major advantages of dual pricing over surcharging. Surcharges are prohibited on debit cards by federal law (the Durbin Amendment), but dual pricing can apply to all card types because it's structured as posted prices, not added fees.

Most modern POS systems and terminals (Clover, SuperSonic, Figure POS, and more) support dual pricing with a configuration update — no new hardware needed. If your current terminal can't be configured, we'll provide compatible hardware at no charge.

No long-term contract, no cancellation fee. We earn your business every month by saving you money — if dual pricing isn't working for you, you can switch back to traditional processing without penalty.

For most merchants, setup is free. We program your existing terminal, provide compliance signage, and train your staff at no charge. The only thing you pay is the standard transaction processing fee — which is now offset by the dual pricing program itself.

The Starter Kit

Dual Pricing Starter Kit.

The Dual Pricing Starter Kit is an all-in-one solution designed to help merchants implement a compliant and transparent dual pricing system — displaying both cash and card prices at the point of sale.

See How Much You Could Save.

Send us a recent processing statement, and we'll provide a personalized estimate of how much your business could save with dual pricing—no obligation, no pressure, and no commitment.
Get a Free Statement Review(888) 411-7583
This page is for informational purposes only and does not constitute legal advice. State laws and card-network rules change frequently. MTech Distributors works with you to ensure your specific implementation is fully compliant with current regulations in your state.