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 analysisHow 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 system applies the card price automatically, and the receipt shows exactly what they chose. Pay cash, pay the cash price. Nobody calculates anything, nobody gets surprised at the register, and your staff never has an uncomfortable conversation about fees.
The reason this beats a fee added at the end is psychology, and it is well documented: customers accept a posted price they saw before ordering, and they resent a line item bolted on after. Posting both prices up front is also the approach the card brands accept, which is why we set every program up this way, with the signage and receipt format done right on day one.
A real month, in dollars
Numbers shown at a typical 3% effective rate for illustration. A small monthly program cost remains on the statement; the per-sale percentage that was eating margin is what disappears. Your free analysis uses your real statement, not an estimate.
Getting set up
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.
The terminal does the work
Your free terminal applies the right price automatically. Staff don't calculate anything.
The fee leaves your statement
Card-paying customers cover the card cost. Cash customers pay the cash price. You keep every dollar either way.
Dual pricing is the program we install most, because for counter and table businesses the math is brutal in your favor: the fee simply stops being yours. The execution is everything though. Posted prices, correct signage, the right terminal behavior. That setup is our job, and it's free.
- Restaurants, cafes and bars tired of eating 3% per check
- Retail shops with steady card volume
- Service businesses that quote prices in person
- Any owner processing $20K+ per month
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.
Dual pricing
Cash price and card price posted side by side. The customer picks, you keep 100%.
Best when most sales happen at a counter or table and you want fees gone entirely.
Surcharging
The card cost is added to credit card transactions only, with disclosure and caps.
Best when most of your volume is credit cards, like B2B and professional services.
Interchange plus
You absorb the fees, but pay true wholesale cost plus one small visible markup.
Best when you prefer one posted price and want the lowest possible absorbed cost.
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 signage, free setup, no long contract.
How is this different from a cash discount?
Same idea, cleaner execution. Dual pricing posts both prices from the start, which is the card-brand-accepted way to run it. If you're running an older cash discount setup, we'll usually migrate you.
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 online orders or 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, and we handle the transition end to end, including staff walkthrough.
Does my POS support it?
Most modern systems do, and several we carry have it built in natively, like Exatouch and Clover. If your current hardware can't, the replacement terminal is free.