💲 Pricing Solution

Stop paying
processing fees.
Let your customers choose.

Dual Pricing displays two prices at checkout — a lower cash price and a standard card price. Card-paying customers cover the processing fee, so you keep more of every single sale.

Get started → Talk to a rep

Main Street Café

Your receipt

Latte (x2)$11.00

Avocado Toast$14.00

Orange Juice$6.00

Subtotal$31.00

Cash Price

$31.00

No fee

Card Price

$31.93

3% included

What Is Dual Pricing?

Two prices. Total transparency. Zero processing costs.

Dual Pricing is a fully card-network compliant pricing model that presents customers with two clear options at the point of sale: a lower price for paying with cash, and a slightly higher price for paying with a credit or debit card.

The card price simply includes the processing fee — usually 3–4% — built transparently into the displayed amount. There are no hidden surcharges, no surprise fees at the register, and no confusion. Customers see both prices upfront and choose what works best for them.

For merchants, the result is straightforward: when customers pay by card, the processing fee is already built into what they paid. Your net revenue stays the same either way.

How the math works

Your item price

$100.00

Cash price

$100.00

You receive $100

Card price

$103.00

You still receive $100

Your net revenue

$100.00 either way

How It Works

Simple at the register.
Powerful for your bottom line.

Dual Pricing is built into your terminal — no extra steps for you or your staff.

Both prices displayed

Your terminal or POS automatically shows the cash price and the card price side by side at checkout. No calculations needed — it's all automatic.

Customer chooses

The customer sees both options clearly and decides how they'd like to pay. Cash, debit, or credit — their choice, fully informed, no surprises.

You keep 100%

If they pay cash, you receive the full amount. If they pay by card, the processing fee is already included in the price they paid. Either way, your net is the same.

Merchant Benefits

More of every sale stays with you.

For most businesses, processing fees represent one of the largest controllable operating expenses. Dual Pricing changes that.

💰

Eliminate Processing Costs

Card processing fees of 3–4% are built into the card price, meaning you effectively stop paying them. On $50,000 a month in volume, that's up to $1,500–$2,000 back in your pocket every month.

📋

Fully Compliant

Dual Pricing is compliant with Visa, Mastercard, Discover, and Amex card network rules when implemented correctly. MBI ensures your setup meets all federal and state requirements from day one.

🤝

Transparent for Customers

Unlike hidden surcharges or vague fees, dual pricing shows customers both options upfront. Most accept it without friction — they already see it at gas stations and many retailers nationwide.

⚙️

Built Into Your Terminal

No manual calculations or separate signage required. Your MBI-provided terminal automatically displays both prices at checkout, prints them on receipts, and reports accurately in your back office.

📈

Predictable Revenue

Your net revenue per transaction is the same regardless of how the customer pays. Budgeting becomes easier when processing costs are no longer a variable eating into your margins unpredictably.

🔄

Easy to Switch

MBI can set up Dual Pricing on your existing Clover or compatible terminal during standard onboarding. Most merchants are live within 48 hours with no disruption to daily operations.

By the numbers

The real cost of processing fees — and what you could keep.

For most merchants, processing fees are the single largest recurring cost after payroll and rent. Dual Pricing gives it back.

Talk to a rep →

3–4%

Typical effective rate merchants pay to process cards

What you owe in processing fees when customers pay cash

$1,500+

Monthly savings for a merchant doing $50K in card volume

48h

Average time to go live on Dual Pricing with MBI

How It Compares

Dual Pricing vs. other models.

Not all pricing models are equal. Here's how Dual Pricing stacks up against traditional and alternative approaches.

Feature

Dual Pricing ✦

Traditional Rate

Surcharging

Merchant pays processing fees

✗ No fees

✓ Yes, always

✗ Usually not

Customer sees price upfront

✓ Both prices shown

✓ One price

~ Fee added after

Card network compliant

✓ Fully compliant

✓ Yes

~ Complex rules

Customer experience

Transparent choice

Simple, one price

Can feel like a penalty

Works on cash payments

✓ Lower price offered

✓ Yes

State restrictions

Minimal — widely allowed

None

Banned in some states

Terminal setup required

✓ Automatic on MBI terminals

Standard

✓ Requires configuration

FAQ

Common questions.

Yes. Dual Pricing is legal in all 50 states and compliant with Visa, Mastercard, Discover, and American Express card network rules — provided it is implemented correctly with proper disclosure. MBI ensures your setup meets all applicable federal and state requirements. It is distinct from credit card surcharging, which has more complex regulations and is banned in certain states.

With surcharging, a merchant adds a fee on top of the purchase price when a customer pays by card — so the customer sees the original price and then gets charged extra at the end. With Dual Pricing, both the cash price and the card price are displayed simultaneously before the customer commits to paying. The distinction matters both for customer experience and for card-network compliance. Dual Pricing is widely considered the more transparent and customer-friendly approach.

Most merchants who adopt Dual Pricing report very little customer pushback — especially when both prices are clearly shown and customers understand they have a choice. Customers are already accustomed to seeing cash discounts at gas stations, car washes, and many retail locations. The key is clear, upfront signage and a terminal that makes both options obvious. MBI provides guidance on best practices for communicating Dual Pricing to your customers.

Typically 3–4% above the cash price, which reflects the actual cost of card processing. The exact percentage is configured during setup and depends on your average effective processing rate. MBI works with you to set the correct differential so that your net revenue is the same regardless of how each customer pays.

Yes. Dual Pricing is supported on Clover Station, Flex, Mini, and other compatible terminals that MBI provides. If you're already an MBI merchant on Clover, setup typically takes less than 24 hours. If you're switching from another processor, MBI handles the full onboarding including terminal configuration.

Dual Pricing applies to in-person transactions at the point of sale. For online or phone payments where cash isn't an option, a different pricing approach may be used. MBI will help you determine the right configuration for your business based on your transaction mix — in-store, online, phone, or all three.

Stop payingprocessing fees.Let your customers choose.