Choose the Right Payment Model for Your Business

Programs

ASPECT	TRADITIONAL PROCESSING	DUAL-PRICING	TRUE CASH DISCOUNT
PRICE DISPLAYED TO CUSTOMER	Regular price for products (same for cash and card)	Two prices: lower for cash, higher for card	One price slightly increased to include fees. This should be the listed price.
CUSTOMER PAYS WITH CREDIT CARD	Customer pays full price. Merchant pays the processing fee.	Customer pays the higher price.	Customer pays the listed price (fee is built in).
CUSTOMER PAYS WITH CASH	Customer pays the same price as with card.	Customer pays the lower cash price.	Customer might receive a discount at checkout.
WHO COVERS CARD FEES?	The merchant.	The customer (only when paying with card).	The customer (via the adjusted price).
MERCHANT RECEIVES	Sale price minus processing fees.	Always receive the full cash price.	Always receive the full listed price.
COMPLIANT WITH VISA/MC RULES?	✅ Yes	✅ Yes	✅ Yes
IDEAL FOR	Businesses happy to absorb processing fees	Businesses that want to eliminate fees and offer their clients different payment options	Businesses that want to simplify pricing and still eliminate card processing fees