Card processing fees add up. These three programs let you pass some or all of that cost to customers who choose to pay by card — but each works differently and has rules.
Surcharging
You add a fee only to credit card transactions.
- Card-brand rules cap the amount and require clear disclosure at the entrance, at checkout and on the receipt.
- You generally cannot surcharge debit cards.
- Some states restrict or prohibit surcharging — check your state's rules first.
Cash discount
Your posted price includes the card cost, and customers who pay cash get a discount.
- Signage must explain the discount clearly.
Dual pricing
You show two prices — a cash price and a card price — on the menu, shelf or invoice.
- Customers see both before they pay.
- Common for restaurants, auto shops and service businesses.
Which one is right?
- Mostly credit cards and allowed in your state? Surcharging may fit.
- Want simplicity and wide compliance? Dual pricing or cash discount is often easier.
- Lots of debit cards? Surcharging will not cover those.
Rules change and vary by state and card brand, so always set these programs up with your processor — never on your own.
We set up compliant programs with the right terminal settings and signage. Get your pricing in writing.