Dual Pricing
Dual Pricing is a strategy where a business displays two distinct prices for an item or service: a standard higher price for credit or debit card users, and a discounted lower price for customers paying with cash.
Cash Discount
Cash Discount is a pricing strategy where a merchant displays the regular price of an item inclusive of credit card processing fees. Customers who pay using cash receive a percentage discount off that displayed price, effectively eliminating processing costs for that sale.
Surcharging
Credit card surcharge is an extra fee that a merchant adds to a transaction when a customer pays with a credit card. This fee passes the cost of processing credit card interchange and network fees from the business to the consumer. Surcharges are typically limited to a maximum percentage (often capped at 3%) and must be clearly disclosed before checkout.
Interchange Rates
Interchange rates are non-negotiable wholesale fees charged by card-issuing banks for processing electronic card transactions. These fees are set by major card brands like Visa, Mastercard, and American Express.
But while interchange itself cannot be changed, the total rate a business pays is absolutely adjustable — and that’s where our team creates savings.
Most processors layer additional costs on top of interchange: hidden markups, inflated percentage rates, padded per‑transaction fees, tiered pricing tricks, and monthly “junk fees” that have nothing to do with the actual cost of running a card. These add‑ons often make up 30–60% of what a business is really paying, even though the business thinks they’re “paying interchange.”
Our team removes those unnecessary markups and restructures the pricing model so the business pays closer to true wholesale cost. We audit every fee, eliminate non‑essential charges, correct misclassified transactions, optimize card‑present vs. card‑not‑present routing, and ensure each transaction qualifies at the lowest possible interchange category.
Interchange stays the same. Your rate drops. Your business keeps the savings.
