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Dual pricing
Dual Pricing Zero-Fee Processing
The fee was never yours to pay.
Every card sale quietly takes about three percent off the top. We built the compliant way to hand it back, and we run the whole thing for you.
350+ Five Star Reviews on Google
Compliant in all 50 states Set up and run for you Terminals, POS, and invoicing You keep your full margin
Same sale. You just stop paying for it.100% COMPLIANT · CARD BRAND APPROVED
Why we exist
We are not here to sell you a machine. We are here to make your business easier, richer, and lighter to carry.
Dual pricing is the clearest example of how we work. You were handing away three percent of every sale. We hand it back, keep you compliant, and run the whole thing so it is one less thing on your plate.
01
Make your life easier
We set up the pricing, program the hardware, train your team, and stay on call. You run your business. We run the payments.
02
Make you more money
The three percent you used to lose on every card sale stays in your business. On real volume, that is tens of thousands a year.
03
One less thing to worry about
Compliance, disclosures, receipts, and the rules in all fifty states are handled by us, in writing, so you never carry the risk.
DUAL PRICING CALCULATOR
See what you'd keep every month.
Enter what you process in card sales each month and drag your rate. This is the money dual pricing puts back in your pocket instead of handing it to a processor.
Monthly card volume type any amount
$
Your processing rate 3.50%
2.90%4.00%
Back per month
$3,500
stays in your business
Back per year
$42,000
money you were giving away
That's marketing, ads, and a real paycheck back in your pocket.
Estimate based on the rate you select applied to your monthly card volume. Most programs are set around 3.85% to 4% so the card fee is fully covered with nothing left for you to absorb. Your exact numbers depend on your card mix and ticket size, and we will set it up and walk you through it on a quick call.
Passing the fee is everything. Everything else is already handled.
Keep reading to see exactly how ↓
WATCH DUAL PRICING IN ACTION
See exactly how it looks, everywhere you sell.
Two prices, shown clearly, with the cash price always lower. Watch how dual pricing works in your online checkout, on your countertop terminal, and on the go.
ONLINEHow both prices appear in your online checkout and on invoices.
Online & Invoices
IN PERSONHow the card and cash price show on your Clover or Dejavoo terminal.
In Person
ON THE GOHow it works on mobile, tap to pay, and text-to-pay links.
On the Go
02 WHY DEPOSYT
Most processors sell you a rate and disappear. We stay, we set it up, and we treat your margin like it is our own.
We carry the compliance
Dual pricing is legal everywhere when it is done right, and a liability when it is not. We program the disclosures, the receipts, and the math, and we keep it current as the card brand rules change.
A real human who knows you
You get a team that answers the phone and knows your account by name. Not a ticket queue, not a chatbot. When something matters, a person who knows your business picks up.
Set up, not handed off
We configure your terminals, your POS, your online checkout, and your invoices so the pricing is consistent everywhere you sell. You do not touch a setting unless you want to.
Next-day money, kept whole
You keep your full margin and you get funded the next business day. The cash you used to lose to fees stays in your business, and it lands fast.
03 WHY PASS THE FEE
The fee was never yours to pay.
For years, business owners just ate the cost of accepting cards. Margins were fatter and three percent felt small. It is not small anymore. On every card sale, that slice disappears, and over a year it becomes one of your biggest silent expenses. Dual pricing hands it back. Your customer simply chooses a cash price or a card price, and the cost of processing is covered either way. It is the same move gas stations, restaurants, and contractors made years ago, and now it is simply how smart businesses run.
THE OLD WAY
You absorb it
Three percent comes off every card sale, quietly, forever. It is the expense you stopped noticing.
THE NEW NORMAL
The customer chooses
Two prices, posted up front. Pay by card at the card price, or pay cash and save. Simple and fair.
THE RESULT
You keep it
The money that used to vanish into fees stays in your business, every single month.
04 THE WORRIES, HANDLED
Everything you are worried about, answered honestly.
Every owner has the same three fears before they switch. Here they are, head on, with the truth from thousands of businesses already doing this.
My customers will leave and go somewhere else.
They almost never do. Dual pricing is everywhere now, from the gas pump to the restaurant to the plumber who just left your house. Customers expect it, and they see a clear choice instead of a hidden fee. The rare price-sensitive customer simply pays cash and saves money, which they thank you for. Owners who switch keep their customers and keep the fee.
My customers will get mad at me.
Done right, it is a non-event. Both prices are shown up front, framed as a lower cash price and a card price, not a surprise tacked on at the register. There is no sticker shock and no awkward conversation, because nothing is hidden. Transparency is exactly what keeps people comfortable, and our signage and software make it obvious before they ever reach the counter.
It is just a cost of doing business. I should absorb it.
That was true when margins were fatter. Today that three percent compounds into tens of thousands of dollars a year, money that could be hiring, marketing, or your own paycheck. Absorbing it is a choice, and more owners are choosing to keep it and put it to work. The fee did not get smaller. The smart response to it changed.
05 THE MATH
What you are actually giving away.
This is not theory. At about three percent, here is what processing quietly costs at real monthly volumes, and what passing the fee puts back in your pocket.
$50,000 / MONTH
Processing fees (~3%)-$1,500 / mo
Given away per year-$18,000
Back in your pocket+$1,500 / mo
$100,000 / MONTH
Processing fees (~3%)-$3,000 / mo
Given away per year-$36,000
Back in your pocket+$3,000 / mo
$200,000 / MONTH
Processing fees (~3%)-$6,000 / mo
Given away per year-$72,000
Back in your pocket+$6,000 / mo
An extra fifteen hundred to six thousand dollars and up, every single month. Not once. Every month, for as long as you are in business.
06 WHAT IT BUYS BACK
Now picture where that money goes.
This is the part owners feel in their chest. The fee you were giving away is not abstract. It is the exact thing you have been telling yourself you cannot afford yet.
GROWTH
Marketing and ads that run
Fund the campaigns and ads that bring new customers through the door, every month, without touching your operating budget.
FREEDOM
The employee you need
Finally afford the hire you keep putting off, the one who hands you back your nights, your weekends, and your sanity.
EXPANSION
The next work truck
Buy the truck, the equipment, or the second station that lets you take on more work and actually grow.
LIFE
A vacation, every month
Turn the fee you were handing to a processor into a trip with the people you love, on a schedule you can count on.
THEIR FUTURE
A semester of tuition
Put what you were giving away toward college tuition, every single month, instead of handing it to a processor.
SECURITY
Your mortgage, handled
For a lot of owners, what dual pricing keeps covers the mortgage. That is not a slogan. That is the math from the cards you already swipe.
Passing the fee is not about three percent.
Passing the fee is everything.
07 HOW IT WORKS
Our software does it for you.
You do not calculate anything or keep two price lists. The moment a sale rings up, our system figures both prices and shows them on the screen, at the terminal, in your online checkout, and on the receipt.
1
The sale rings up
You enter the sale the way you always have. There is nothing new for you or your staff to learn.
2
Both prices appear
Our software instantly calculates the card price and the cash price and displays them right at checkout.
3
Your customer chooses
They pick card or cash. The right amount is charged, and the receipt shows both prices, clearly and compliantly.
CHECKOUT DISPLAY
Subtotal$100.00
Card price$103.50
Cash price$100.00
Both prices are calculated and shown automatically at checkout. Your customer chooses how to pay. You keep your full margin either way.
COMPLIANT
That is the whole experience. Your customer understands it in two seconds, and you never touch a calculator.
08 DO NOT DO THIS ALONE
Thinking of adding the fee yourself? Read this first.
Plenty of owners try to just tack a few percent onto the card total at the register on their own. It feels simple. It is also one of the fastest ways to get fined, because doing it wrong breaks the card brand rules.
COMPLIANCE WARNING
Adding it yourself is usually a violation.
When you add a percentage to a card sale on your own, it almost always counts as surcharging, and surcharging has strict rules most owners never see. Here is what that exposes you to.
✗Surcharging has hard rules on caps, written disclosure, advance registration, and exactly what must print on the receipt.
✗The card brands actively monitor for it, including sending mystery shoppers to checkouts and reviewing receipts in the field.
✗Get it wrong and the fines can climb into the thousands of dollars, and they grow with every repeat violation.
✗Keep getting it wrong and you can lose the ability to accept cards at all, which can shut a business down.
✓ WITH DEPOSYT YOU ARE COVERED
You never touch any of this.
Every terminal we ship is programmed for compliant dual pricing before it arrives. Our online checkouts, payment links, and invoices are built compliant. We provide the required signage and the full setup. Your card price and cash price are calculated and displayed for you, the right way, on every sale. You get all of the upside and none of the exposure.
09 COMPLIANT EVERYWHERE
Compliant software and hardware for every kind of business.
However you take payments, there is a compliant way to pass the fee. Terminals, full point of sale, mobile, online checkout, payment links, and invoicing, all set up the right way, all ready on day one.
Clover POS
A full point of sale with compliant dual pricing built in. Card and cash prices on the customer-facing screen.
Dejavoo Terminals
Countertop and wireless terminals, programmed for compliant dual pricing straight out of the box.
SwipeSimple
Mobile and tap-to-pay acceptance with compliant dual pricing for businesses on the go.
Virtual Terminal
Key in phone and mail orders from any browser, with dual pricing handled for you.
Online Checkout
A compliant checkout on your site, with the card and cash price shown automatically.
Links & Invoices
Compliant payment links and invoices that carry both prices wherever you send them.
Whatever you sell, and however you sell it, we have a compliant way to pass the fee.
Our software and terminals ship configured to run dual pricing the compliant way, with the customer-facing pricing and disclosures the card brands expect. Setting up and operating your pricing in compliance with card brand rules and applicable law is the merchant’s responsibility, and Deposyt is not liable for how dual pricing is configured or run at your location. We provide compliant tools and help you set them up correctly.
10 KNOW THE DIFFERENCE
Dual pricing, surcharging, and cash discount, explained.
Owners mix these up constantly, and the difference is exactly what keeps you compliant. Here it is in plain English.
DUAL PRICING
Two prices, shown
A card price and a cash price, both posted up front. The customer chooses. The clearest and most customer-friendly option, and what we set up for you.
SURCHARGING
A fee added on
An extra fee added to the card total at the end. It carries caps, registration, and disclosure rules, and it is what gets DIY owners fined.
CASH DISCOUNT
One price, less cash
A single posted price with an amount taken off for paying cash. Simple, but less flexible than dual pricing.
WE SET UP THE COMPLIANT PROGRAM THAT FITS YOUR BUSINESS AND YOUR STATE, AND WE KEEP YOU THAT WAY
FAQ QUESTIONS, ANSWERED
Questions, answered simply.
The things business owners actually ask. If yours is not here, a real person is a phone call away.
What is a dual pricing program?
With a dual pricing program, a small fee is added to credit card transactions, which lets you offset the processing fees that come with accepting cards for your goods and services. The card-paying customer sees both prices, and the fee is itemized clearly on their receipt.
How does it lower my expenses?
The program adds a percentage fee, typically around 3.85% to 4%, to credit card transactions so the cost of accepting cards is covered for you. We set the program a touch above the bare processing cost so the fee is fully covered with nothing left for you to absorb. Every fee is itemized on the customer’s receipt, and debit and prepaid cards are not eligible, so only credit card transactions take part.
Is dual pricing legal?
Yes. Dual pricing is allowed when it is done correctly, with both the card price and the cash price clearly disclosed before the sale. We set it up to follow the card brand rules and provide the signage that keeps you compliant.
Will my customers leave and go somewhere else?
Almost never. Dual pricing is everywhere now, from gas stations to restaurants to contractors, so customers expect it. They see a clear choice, and the ones who care simply pay cash and save. Owners who switch keep their customers and keep the fee.
Will my customers be mad at me?
Done right, it is a non-event. Both prices are shown up front as a lower cash price and a card price, not a surprise charge at the end. There is no sticker shock, because nothing is hidden, and our signage makes it clear before they reach the counter.
Isn't the processing fee just a cost of doing business?
It was, when margins were fatter. Today that three percent compounds into tens of thousands of dollars a year that could go to growth or your own paycheck. Absorbing it is a choice, and more owners are choosing to keep it.
Can't I just add the fee myself at the register?
You can, and it is risky. Adding a percentage on your own almost always counts as improper surcharging, which breaks the card brand rules and can lead to fines. Our program is compliant and automatic, so you are never exposed.
What are the fines for doing it wrong?
Card brand fines for improper surcharging can climb into the thousands of dollars and grow with every repeat violation, and serious cases can cost you the ability to accept cards. The brands monitor for it, including with mystery shoppers sent to checkouts.
Do you handle the signage and compliance for me?
Yes. We program your terminals, build your online checkout and invoices the right way, and provide the required signage. Compliance is handled for you, not left on your plate.
Does dual pricing work online and on invoices?
Yes. The same card and cash pricing shows up in your online checkout, on payment links, and on every invoice you send, not just at the counter.
Does it work in person on Clover and Dejavoo?
Yes. Clover, Dejavoo, and our full terminal lineup ship programmed for compliant dual pricing, with the card and cash price shown on the customer-facing screen.
How much will I actually save?
Around three percent of every card sale. At fifty thousand a month that is about fifteen hundred dollars a month, at one hundred thousand about three thousand, and at two hundred thousand about six thousand. We will run your exact numbers.
What is the difference between dual pricing, surcharging, and cash discount?
Dual pricing posts two prices up front and lets the customer choose. Surcharging adds a credit card fee at the end and carries more rules. Cash discount posts one price and takes an amount off for cash. We set up the compliant program that fits you.
How fast can I get set up?
Quickly. We program your terminal, set up your checkout and invoices, send your signage, and get you live, often within days. Then the fee you were giving away starts staying in your business.
★ VERIFIED GOOGLE REVIEWS
Merchants don't just switch. They tell people.
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