Dual Pricing Program | Transparent Payment Solutions 

Stop Losing Profits to Processing Fees

Credit card fees are eating into profits more than ever. Our Dual Pricing Program gives you a compliant way to eliminate or reduce those costs while providing transparency to your customers. Built into the NPSONE platform, Dual Pricing has already helped thousands of merchants across industries keep more of what they earn. 

 

What Is Dual Pricing? 

Dual Pricing means displaying two prices upfront is one option. 

The second option is to display the Credit Price and offer a discount for paying with Cash.

These are the two acceptable ways of doing it according to the card brands.

There are no hidden fees, no “discounts” added after the fact—just clear, upfront pricing.  

Gas stations have been doing this for decades, and now every business can adopt this model. 

Why Choose Dual Pricing Over Other Models? 

Many merchants hear about surcharging or cash discounting as ways to offset fees. But not all programs are created equal: 

Bottom line: Surcharging is a compliance minefield. Cash discounting is often misapplied and reclassified by Visa. Dual Pricing is fully compliant, transparent, and trusted—even upheld by the Supreme Court. 

The Legal Foundation 

Dual Pricing is backed by strong legal precedent: 

  • Durbin Amendment (2010): Explicitly allows merchants to offer discounts for cash and other forms of payment. 
  • Supreme Court Rulings: Expressions Hair Design v. Schneiderman (2017) affirmed that states cannot stop merchants from communicating dual pricing, recognizing it as protected commercial speech. 

This means merchants can confidently use Dual Pricing without fear of card brand or state-level penalties. 

Why Businesses & Customers Prefer Dual Pricing

  • No surprises at checkout – both prices are visible up front.
  • Less training for staff – no need to explain or apply discounts manually.
  • Happier customers – people understand and accept transparent pricing more than surprise surcharges.
  • Compliant now and in the future – no risk of Visa crackdowns or reclassification.

 

Easy Integration with NPSONE 

With NPSONE, setting up Dual Pricing is simple: 

  • Works with POS, mobile, invoicing, and countertop devices. 
  • Automatically calculates and displays both cash and card prices. 
  • Supports ACH, credit cards, debit cards, Apple Pay, Google Pay, invoicing, and payment links. 

     

    Ready to find out more? 

    If you’re looking for a way to reduce processing fees without risking non-compliance, Dual Pricing is the clear solution. It’s legal, transparent, and customer-friendly. 

    Ready to implement Dual Pricing in your business?
    👉 Contact Nationwide Payment Systems today for a free consultation.