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Dual Pricing, Cash Discount and Surcharges
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Compare dual pricing vs cash discount and understand how a surcharge differs. Review displayed prices, receipts, eligible payment methods and the questions to ask before changing checkout.
How does Freedom Processing describe Dual Pricing?
The Dual Pricing setup described on this website presents a cash price and a full card price before payment. The customer chooses a payment method with both prices visible. Discuss how prices will appear on shelves, menus, the customer display and receipts. The exact setup and eligible transactions must be reviewed for your business, equipment and applicable requirements before it is introduced.
Dual Pricing vs Cash Discount: how do they differ?
Freedom Processing describes Cash Discount as a standard displayed price with an itemized discount when a customer pays cash. Dual Pricing presents both prices before payment. Review the actual checkout screens, signs and receipts with the team; a program name alone does not establish how it works. An extra card fee added to a lower displayed price can be treated differently under payment-network rules.
Source: Visa: U.S. merchant surcharge questions and answers
Is a cash discount the same thing as a credit-card surcharge?
No. A surcharge adds a fee for a payment method; a genuine discount reduces the properly displayed standard price for an eligible alternative. Visa distinguishes the two and sets separate requirements for surcharging. Have the provider review the full customer experience and applicable rules. Do not assume a fee becomes a cash discount simply because a receipt or sign uses that label.
Compare the pricing approaches
Source: Visa: U.S. merchant surcharge questions and answers
Can a surcharge be added to a Visa debit or prepaid payment?
Visa’s U.S. surcharge guidance prohibits surcharging Visa debit and prepaid cards, including a debit card processed without a PIN. A debit card does not become a credit card because the customer chooses a credit-style processing option. Ask the team to verify card identification and program behavior before enabling any fee. Requirements for other networks and applicable law also need review.
Source: Visa: U.S. merchant surcharge questions and answers
Does zero processing fees mean my business will have no other charges?
Not necessarily. A program may address covered processing costs while equipment, software, recurring or other charges still apply. Freedom Processing’s pricing page states that eligibility depends on the business and approved setup. Request a complete written quote showing what is covered, what remains payable and how refunds or other exceptions are handled. Compare the total cost and customer experience before choosing a program.
Review eligibility and other charges
Review your setup with our team
Your written quote, merchant agreement and approved account setup determine your rates, fees, equipment and funding terms. Payment-network rules and legal requirements can change; confirm the requirements for your business before introducing a pricing program.
Sales and customer support in English and Arabic: +1 (855) 373-6776 · support@freedomprocessing3.com
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