Keep your profits · Eliminate processing fees · Grow your business
Fight back against ever-rising credit card processing fees — without raising your prices.
Pay $0 to process, regardless of volume, so a good month never turns into a bigger bill.
Offer a cash price and a card price and keep what you were handing over every month.
Support from people who answer the phone, and no contract holding you in place.
There is a direct relationship between the rewards attached to your customer's credit card and what you pay to accept it. The better their points, the higher your cost.
You have no say in which card comes out of the wallet — but you do have a say in whether that cost lands on your bottom line.
Show me the numbersIndustries that most commonly run our Dual Pricing Program:
Retail
Food & beverage
Lodging
Pay at the pump
Beauty
Professional services
Restaurants
Health & fitness
Property management
eCommerce
Attorneys
TransportationHow it works
We look at a recent statement together and tell you plainly what dual pricing would change for your business.
Standard merchant application and underwriting. We prepare the paperwork and walk it through with you.
A pre-programmed terminal arrives configured for dual pricing, along with the customer-facing signage that keeps you compliant.
Take payments by terminal, gateway or website — and watch the processing line disappear from next month's statement.
If you stopped paying processing fees tomorrow, what would you do with the money? Most owners already know the answer.
Some raise wages to hold onto good staff. Some finally replace the equipment they've been nursing along. Some just stop dreading the statement. All of those count.
Book a callThe Dual Pricing Program paid for two more employees. Customers barely blinked — we post the cash price and the card price, they pick, and everybody knows what they are paying. I only wish we had done it three years earlier.
Danny V.Owner, neighborhood pizzeria
Common questions
Straight answers, before you commit to anything.
Dual pricing is a program that lets your customers choose between a cash price and a card price at the point of sale. Customers paying by cash or check automatically receive a discount off the posted card price.
You display both prices clearly, the customer decides, and the cost of card acceptance lands with the payment method that creates it — instead of coming out of your margin on every single transaction.
Yes. All 50 states permit cash discounting and dual pricing.
The legal footing comes from the Durbin Amendment, passed as part of the Dodd-Frank financial reform legislation in 2010, which bars payment card networks from preventing a merchant from offering a discount or in-kind incentive for payment by cash, check or debit. The card brands have since published their own rules for how these programs must be disclosed.
Compliance depends on doing it correctly — correct signage, correct receipt language, correct terminal configuration. That part is our job, and it is included.
This is the question every owner asks, and it is the right one. In practice, most merchants see no measurable change in volume, because the program is transparent and the customer keeps the choice.
Clear signage does most of the work. People are used to seeing two prices at the pump, and the same logic applies at your counter.
You pay $0 to process credit cards under the program, regardless of your monthly volume. There is no percentage that grows as your business grows.
The agreement is month to month with no cancellation fee. If it does not work for your business, you are not locked in.
A terminal or gateway configured for dual pricing. If you are on a compatible system we can often reprogram what you already have; if not, we ship a pre-programmed terminal along with the customer-facing signage.
It works at the counter, through a virtual terminal, and on your website.
Most merchants are approved and processing within a week. The application is short, underwriting is straightforward for established businesses, and equipment arrives ready to use.
We handle the setup call and stay on the line for your first live transactions.
Fifteen minutes with a recent statement is all it takes to find out what you'd keep.
Special Ops Payments is a full-service merchant services ISO (Independent Sales Organization) and a leader in the payments industry. We were among the first in the country to run a Visa/Mastercard-approved Dual Pricing Program, and we are proud to help business owners fight back against credit card processing fees that climb every single year. Founded and staffed by veterans of the special operations community — we hold ourselves to the standard we were trained to.