Dual Pricing

‘Dual Pricing’ is not just for Gas Stations Anymore.

True ‘Dual Pricing’ is Now Available for most

Brick-and-Mortar Retailers and Restaurants.

Dual Pricing

Dual Pricing is not new.  Many gas stations around the nation have been offering both cash and credit prices for over a decade. The benefit to the business owner is no secret.  When businesses offer dual pricing, they retain 100% of the cash price for every product they sell regardless of how the customer pays. It is great for the business owner.

Unfortunately, until now, true Dual Pricing was not available to most retailers and restaurants due to both limitations of POS software to support dual pricing and the unpredictability of exact payment processing cost on each transaction. Therefore, business owners with many different item or SKU’s could not easily know exactly how to price merchandise under a dual pricing model.  More importantly, business owners were unable to offer dual pricing while providing a beautifully transparent and enjoyable customer experience to their valued patrons. All that has changed!

There are 3 things needed for a business to run a True, Honest and Transparent Dual Pricing Program.

  • A business owner willing to take the time and care to present a beautiful customer experience to all of their valued customers. Your customer deserves to know how much each product will cost when they decide to purchase it.
  • A merchant services provider, like NAB, who offers a flat rate percentage that aligns with the difference between the regular and cash prices without any additional charges. You need to know your cost on each item in order to price correctly.
  • A POS system capable of supporting a dual pricing model with both a regular price and a cash price for each product or SKU in a business while providing the accurate reporting needed to support the business operations.

The Business Owner’s Experience

The benefit of the Dual Pricing program to the business owner is you no longer have to concern yourself with the rising costs of accepting payments. You profit the same as if all transactions were cash. We simply retain the difference between the regular price and cash price to pay all processing and program costs for you.

All those fees you are used to with your current payments provider like PCI compliance fees, batch header, transaction and statement fees etc. are all rolled into your flat rate and there are no surprises.

Your customers will check out as normal and your POS will keep a running total of both the regular price and the cash price.  When your customer chooses their payment method, the POS will print-off the itemized receipt with the correct corresponding prices.

Get Started With Dual Pricing

Your Customer’s Experience:

Your Customer’s Experience: Your customers will love that you are offering and fully disclosing both price options to them throughout their experience. They will love that you are offering them an option to pay with cash and save off of the regular price.  If they pay in cash, they will get an itemized receipt with the cash price and if they do not pay in cash they will get an itemized receipt with the regular price.

Many consumers and businesses today want to resist the move to a ‘cashless society’ for a number of reasons. However, as much as they resist the move theoretically, when they pay the same prices for both cash and electronic payments, they still flip past their cash in order to get their rewards on their purchases and you the business owner end up paying for it. So these conscientious consumers are thrilled to see you are offering them a savings of 4 or 5 cents on the dollar to pay in cash.


No, at least not currently. ‘Dual pricing’ works best for Brick-and-Mortar retailers and restaurants that see a high majority of face-to-face transactions where the consumer has a possibility of paying with cash. Also, a true ‘dual pricing’ model is currently trickier for small ticket businesses. If you ever have months where your business’s average ticket is less than $15 make sure you talk to one of our consultants before you sign up.

Since you will want to fully disclose the Regular Price and the Cash Discounted price everywhere you list prices in your business, that is easier when you have a smaller number of SKUs. We don’t set any upward limits; however, if you have more than 100 SKUs contact us for some alternative approaches to consider.

Furthermore, Ecommerce, Online or mail order telephone order businesses should speak to our consultants for possible alternatives.

But if you are swiping 75% or more of your transactions and your average ticket is at least $15, let’s roll!

Really, don’t worry about out of pocket costs. Our goal is to neutralize any costs. The main investment you make is your own time and thoughtfulness about your customers’ experience. We want your customers to love it. You will be given a ‘Dual Pricing’ expert to guide you. We do not charge you a fee to be on the program. We give everything we can to you for free, and if you choose a more expensive POS solution because of your needs, we can often help with that as well.

That depends on what you currently have. We will help determine that for you once we know which POS you are using. Your POS needs to support a dual pricing model and many POS solutions on the market today have not been upgraded support a dual pricing model. The good news is that we have you covered and it will not typically cost you much if anything. We have a team of industry experts called POS Pros that will help you pick the right POS for your business after they do a needs analysis to discover your specific operational needs, and many of the numerous POS options have free placement so you don’t need to worry about out of pocket costs.

Although customers love larger Cash Discounts, we typically do not recommend a cash discount greater than 4 cents on the dollar for most retailers; however, 5 cents on the dollar for tipped businesses i.e. restaurants and salons may be prudent because for tipped merchants, the math is not always perfect because you don’t know ahead of time what percentage each client will tip you; however, 5 cents on the dollar will usually get you very close to achieving the goal of ‘dual pricing’ which is to remain with the same dollar amount in your bank account at the end of the day as if everyone paid you in cash.

Therefore, you simply, determine how much money you want left in your bank account from the sale of each item or SKU on your menu or price list after all payment processing costs are covered. That will be your Cash Price. Multiply the cash price by 1.04 for retailers or 1.05 for tipped businesses and that will be your Regular Price. The POS software can do the math for you. Pretty simple!

Example: If a Brewery wants $5.00 at the end of the day for a given pint of beer, they would determine the cash price at $5.00. And since $5.00 x 1.04 = $5.20, they could list the Regular Price at $5.20; however, if they expected tips on many of their transactions they would list the Regular Price at $5.00 x 1.05 or $5.25

Are you ready to get rid of the impact of payment processing costs on your business and offer your customers freedom in payment?

  • Have the same amount in your bank account as if everyone paid you in cash
  • No contract commitment
  • Free equipment Options
  • No confusing customer receipts
  • Improve your customers’ experience and appreciation.
  • Improve your bottom line.

What Dual Pricing with Flat Rate eliminates

  • no monthly or annual costs
  • no worry over rising payment processing costs
  • no statement fee
  • no batch header fee
  • no PCI compliance fee
  • no contract commitment

Call us Toll Free at 800.591.8660 or fill out the form on the right.

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