Dual Pricing vs. Surcharging:

Dual pricing and surcharging are both methods businesses use to offset credit card processing fees, but they are fundamentally different in structure and compliance. Dual pricing involves clearly displaying two prices upfront—one for cash and one for credit card payments—giving customers a transparent choice before the transaction. It is legal in all 50 states and complies with card brand rules when implemented correctly. Surcharging, on the other hand, adds a percentage fee to the total only when a customer chooses to pay by credit card, and it is subject to more legal restrictions. Surcharging is not allowed in several states and must meet strict Visa, Mastercard, and disclosure rules. While both models aim to protect merchant margins, dual pricing is often viewed as more customer-friendly and legally sound.

Deck: Dual Pricing vs Surcharging.pdf Updated 7.10.2025