Skip to main content
Northwest Payment Brokers
Dual pricing

Two prices posted. Customer picks. You keep 100%.

Dual pricing shows your cash price and your card price side by side. Customers choose how to pay, and the card fee stops coming out of your pocket. No surprises on the receipt, no awkward conversations.

Get a free rate analysis
What this program keeps in your pocket
$9,000
back in your business, every year
Your monthly card sales
$750/mo you currently hand to fees

How this actually works

Here is the mechanic in plain English. Every item gets two posted prices: a cash price, which is your real price, and a card price, which includes the cost of card acceptance. A $10.00 coffee shop item might post as $10.00 cash and $10.35 card. The menu, the shelf tag and the customer-facing screen all show both numbers before anyone commits to anything.

At checkout, the terminal does the work. The customer taps or inserts the card. The system puts on the card price by itself. The receipt shows exactly what they chose. Pay cash, pay the cash price. Nobody does math. Nobody is surprised at the register. Your staff never has an awkward talk about fees.

This beats a fee added at the end, and the reason is psychology. It is well documented. Customers accept a posted price they saw before they ordered. They resent a line item bolted on after. Posting both prices up front is also the way the card brands accept. So we set up every program this way. The signage and the receipt format are done right on day one.

The counter test

Absorb it, add it, or post both prices

Three ways a card sale can go. Here is what each one does to your margin and to the person standing at your register.

One price, you absorb the feeOne price, fee added at checkoutDual pricing, both prices posted
Customer sees the real cost up frontYes, but you eat the differenceNo. It appears at the endYes. Both prices, before they order
Customer chooses how to payNoNot reallyYes, and they know what each choice costs
Card fee comes out of your pocketAll of it, every saleCredit only. Debit cost stays yoursNone of it
Surprises at the registerNoneThis is where complaints liveNone. The shelf already said it
Extra rules to manageNoneCaps, posted notices and receipt rulesNone. The posted prices are the program

The middle column is surcharging, and for the right business it is the right tool. Mostly credit volume, big tickets, B2B. We install both programs; the free analysis says which one your numbers favor.

A real month, in dollars

Monthly card sales (Seattle cafe)$50,000
Effective rate they were paying3.0%
Fees absorbed every month, before$1,500
Fees absorbed after dual pricing≈ $0
Back in the owner's pocket, per year$18,000

Numbers shown at a typical 3% effective rate, as an example. A small monthly program cost stays on the statement. What goes away is the percentage of each sale that was eating your margin. Your free analysis uses your real statement, not a guess.

Getting set up

01

We set the two prices

Your menu or shelf shows the cash price and the card price, clearly posted. We handle the signage and the math.

02

The terminal does the work

Your free terminal picks the right price on its own. Staff do no math.

03

The fee leaves your statement

Card-paying customers cover the card cost. Cash customers pay the cash price. You keep every dollar either way.

The same math in three more doorways

Different businesses, same mechanic. The fee stops being yours. The 3% effective rate here is just an example. Your free analysis runs your real statement.

The espresso stand

$30,000/mo in card sales

$900/mo absorbed in fees before

$10,800 a year back at the window

With dual pricing: ≈ $0 absorbed.

The auto repair shop

$80,000/mo in card sales

$2,400/mo absorbed in fees before

$28,800 a year back in the bays

With dual pricing: ≈ $0 absorbed.

The salon

$20,000/mo in card sales

$600/mo absorbed in fees before

$7,200 a year back in the chair

With dual pricing: ≈ $0 absorbed.

Our take as your broker

Dual pricing is the program we install most. For counter and table businesses the math is brutal in your favor. The fee simply stops being yours. But how you run it is everything. Posted prices, correct signage, the right terminal behavior. That setup is our job, and it's free.

Who this fits
  • Restaurants, cafes and bars tired of eating 3% per check
  • Retail shops with steady card volume
  • Service shops that quote a price in person
  • Any owner processing $20K+ per month
Find out which program wins for you →
From the reviews

Merchants who stopped eating the fee

Quoted verbatim from public reviews, same as our reviews page. We don't write them or edit them.

Facebook
Easy to work with and straight forward answers!!! Don't believe all the huff and puff from the other guys. None of the hidden fees with this group! They saved me a TON of money! Not pushy and very friendly. They will be on your team! I got NWPB lined up with a bunch of my customers and friends, and they are all very happy too!
Scott Erlwein
Google
They went above and beyond... spent several days working with us and was even able to get our funds expedited. Oh, and then there's the fact that they are saving us thousands of dollars a year!
Chris Garcia · Frankie's Pizza
Google
I was skeptical that they could save me money. They assured me that they could, and they did... If I needed something they were always willing to show up at our office and help us.
BB · Kanon Electric

All 79 reviews, five stars every one

The three models, side by side

NWPB offers three ways to handle card fees. The free analysis tells you which one wins with your real numbers.

Also from your broker

Your invoices can run this program too

Hyfin sends invoices by email or text with a pay button on them. The same keep-more-of-every-payment setup works there too. 85% of invoices sent this way get paid within a day.

See invoicing & payment links

Fair questions

Will customers push back?

Both prices are posted up front, so there's no surprise at the register. That's the difference from a surcharge line item added at the end. Most owners tell us the questions stop within the first week.

What does the receipt look like?

It shows the price the customer chose, exactly as posted. Card receipts reflect the card price; cash receipts reflect the cash price. Clean, simple, no mystery line items.

What does it cost to start?

Nothing. Free terminal, free signs, free setup. No long contract.

How is this different from a cash discount?

Same idea, cleaner setup. Dual pricing posts both prices from the start. That is the way the card brands accept. If you run an older cash discount setup, we will usually move you over.

Do I have to raise my prices?

No. Your cash price stays your price. The card price simply carries the cost of card acceptance for the people who choose cards.

What about web orders and invoices?

Card-not-present sales can run dual pricing too. Or we pair the counter program with interchange plus for your online side. The analysis sorts that out with your real mix.

How fast can we switch?

Most businesses are live within a week. We handle the whole switch, start to finish. That includes a staff walkthrough.

Does my POS support it?

Most modern systems do. Several we carry have it built in, like Exatouch and Clover. If your current gear cannot, the new terminal is free.

What will customers see at the counter?

Both prices, before they decide anything. On the shelf tag, on the menu, and on the customer-facing screen at checkout. The receipt then shows exactly the price they picked. The whole point is that nobody discovers anything at the end.

Will my staff have to explain the program?

Rarely, and never awkwardly. The signage does the explaining, and we leave your team a one-line answer for the curious: "The posted card price covers the card companies' fee; cash skips it." Most owners tell us the questions stop within the first week.

See your exact number.