Simpay’s Dual Pricing Program
Simpay’s Dual Pricing Program is a compliant cash-discount system that lets customers who pay with cash or PIN debit save up to 4% on their purchase, while card-paying customers pay the standard price. Whether you run a retail store, restaurant, or service business, this program helps offset processing costs without raising your prices across the board.
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.
Why Businesses Choose Simpay for Dual Pricing
Rising credit card processing costs can reduce margins and make monthly expenses harder to predict. Simpay’s dual pricing credit card processing program allows businesses to offer a cash price and a card price, helping offset processing expenses while giving customers a clear choice at checkout.
With transparent pricing, compliant signage, and personalized U.S.-based support, Simpay makes it easier to implement dual pricing without disrupting the customer experience.
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?
Dual pricing is a transparent payment model that gives customers two price options:
- 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?
Let’s say you sell a product for:
- $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?
Getting started is simple. To enroll, you’ll need:
- 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. Our dual pricing program is most effective for in-store and card-present transactions, where price visibility is easier to manage. For online payments, surcharging or another compliant pricing model may be more appropriate. Simpay can help determine the best option for your business setup.