Why eligible merchants are moving toward Cash Discount / Dual Pricing — and how it can reduce or offset the burden of monthly processing fees.
The real cost of traditional pricing
On traditional processing, the business absorbs the card processing fees as a cost of doing business. Every month, a percentage of every card transaction is taken off the top — and for high-volume merchants, that can quickly add up to hundreds or even thousands of dollars in fees, directly cutting into profit margins.
Why Cash Discount / Dual Pricing is often the smarter option
For many merchants, Cash Discount / Dual Pricing can be a smarter option because it helps reduce the burden of monthly processing fees. Instead of the business absorbing all card processing costs, eligible merchants can offer a clear cash price and card price, allowing the card-related cost to be built into the transaction. In many cases, the merchant may only pay a low monthly program fee, often under $100, instead of paying hundreds or thousands in processing fees every month.
Side-by-side comparison
• Traditional pricing: merchant pays processing fees on every card transaction. • Cash Discount / Dual Pricing: the customer sees clear cash and card pricing at the point of sale. • Traditional pricing can reduce profit margins, especially for businesses with thin margins and high card volume. • Cash Discount / Dual Pricing may help eligible merchants save hundreds or thousands monthly. • Cash Discount / Dual Pricing can be especially attractive for restaurants, convenience stores, retail shops, grocery stores, and other high-volume businesses.
Is it right for your business?
Program availability depends on business type, card brand rules, state requirements, processor approval, and proper setup at the terminal and signage level. Not every business qualifies, and savings will vary. The best way to know is to have a Swipetronics specialist review your current statement and explain which option fits your business.
Important note
Cash Discount and Dual Pricing must be implemented in compliance with applicable card brand and state guidelines. Swipetronics works with eligible merchants to set the program up correctly from day one.
Want to apply this to your own business?
Request a free, no-pressure savings analysis. We'll compare your current setup with what Swipetronics can offer.