Simpay’s Dual Pricing Program
We know every business has different needs. Your payment options should be as diverse as your services. With Simpay’s Dual Pricing Program, the choice is yours.
Dual Pricing Merchant Services
Customers who pay with cash or PIN debit receive a discount on their purchase (up to 4%). Customers who pay with credit cards or signature debit cards pay the marked price. Their receipt shows the discount. That’s it!
Our program helps you offset a significant portion of card acceptance fees, which lowers your monthly business operating costs.
Our Dual Pricing program is fully compliant, and your savings are clear and transparent.
Reduce Costs. Increase Efficiency. Grow with Simpay Select Plus
Looking to save on card processing fees? Dual pricing is just one of the powerful features included in Simpay Select Plus, Simpay’s all-in-one solution for growing businesses. Alongside transparent pricing, you also gain access to advanced payment tools, loyalty and marketing features, employee management options, and next-day funding. It’s everything you need to reduce costs, improve efficiency, and scale confidently.
True Transparency
If you’re tired of hidden fees and hard-to-understand statements, try our AI-powered statement analysis tool. We will show you what you are currently paying, and where the savings are.
Solutions for Any Industry
Whether you’re saving lives in the healthcare industry or feeding your community at your locally owned restaurant, we offer comprehensive payment processing programs for the following industries:
Frequently Asked Questions About Our Dual Pricing Program
What is dual pricing?
- A cash price (discounted)
- A card price (standard) for those paying with credit or debit cards
The goal of dual pricing is to offset the merchant’s credit card processing fees while giving consumers a choice in how they pay. It’s a compliant and customer-friendly way to reduce overhead without raising prices across the board.
How does dual pricing work?
At the point of sale, your POS displays both a cash discount price and a card price. If the customer pays with a credit or debit card, they pay the standard price, which reflects the processing cost. If they pay with cash or PIN debit, they get the discounted amount. This system eliminates hidden fees and ensures compliance with Visa, Mastercard, and state regulations.
Simpay’s dual pricing payment processing systems are pre-configured to handle this automatically, so your team doesn’t need to calculate prices or manage compliance manually.
What is an example of dual pricing?
- $9.70 if paid in cash
- $10.00 if paid by card
The customer chooses how to pay, and your terminal automatically records the corresponding amount. There are no added fees at checkout, just two clearly displayed prices from the start. With Simpay, this pricing structure is built directly into your payment processing with dual pricing setup, making the process fast, transparent, and error-free.
Is dual pricing legal?
Yes, dual pricing is legal in all 50 U.S. states when implemented correctly. Unlike traditional surcharging, dual pricing is considered a cash discount model, making it easier to roll out with less regulatory friction.
Simpay’s system is designed to meet Visa, Mastercard, and state-level compliance requirements, giving you peace of mind.
What is required to enroll in Simpay’s Dual Pricing Program?
- A Simpay merchant account
- A dual pricing-enabled terminal or POS system
- Clear customer signage (we provide this)
- A brief setup consultation with our support team
Our onboarding team will walk you through the process, handle the equipment setup, and ensure your business is ready to go live with full compliance.
Is dual pricing right for my business?
If you’re a small- to mid-sized business looking to reduce or eliminate credit card processing costs, dual pricing payment processing systems can be an excellent fit. This model works especially well in retail, restaurant, auto service, and wellness businesses, where many customers still use cash and margins are tight.
Simpay helps you implement a dual pricing system that improves profitability without impacting the customer experience.
Can dual pricing be used online or with virtual terminals?
Yes, but with limitations. Dual pricing is most effective for in-store and card-present transactions, where price visibility is easy to manage. For online payments, you may want to look at surcharging or other compliant pricing models. Simpay can help you determine the best path based on your business setup.
