Take Control of Your Business.
Fight Back Against Ever-Rising Credit Card Processing Fees.
Eliminate Credit Card Processing Fees Entirely
Pay $0 to process regardless of volume with our Dual Pricing Program — so you never have to worry about your rates going up.
Keep Your Profits and Grow Your Business
Save thousands of dollars per month when you offer a cash price and a regular price to your customers.
Enjoy Month-to-Month Contracts and No Cancellation Fees
24/7 customer support provided by real people who answer their phones around the clock, so you’re never stuck on hold.
Don’t Take the Hit for Rewards on your Customers Card.
Did you know there’s a direct correlation between rewards on your customer’s credit card and the fees you end up paying?
The more rewards on your customers card—the more it costs to accept that card.
Watch the video and learn how to avoid paying processing fees—and keep more profits for your business.
Don’t Take the Hit for Rewards on your Customers Card.
Did you know there’s a direct correlation between rewards on your customer’s credit card and the fees you end up paying?
The more rewards on your customers card—the more it costs to accept that card.
Watch the video and learn how to avoid paying processing fees—and keep more profits for your business.
With rates going up like never before and businesses struggling with inflation—there’s never been a better time to switch your business to a Dual Pricing Program.
Check out our top industries that commonly use the Dual Pricing Program:
Retail
Food & Beverage
Lodging
Pay at the Pump
Beauty
Professional Services
Restaurants
Health & Fitness
Property Management
Ecommerce
Attorneys
Transportation
How It Works
Join the ranks of business owners who have decided to fight back against processing fees, and get started today!
- Book a 15-minute consultation to get started.
- Complete the merchant application and get approved.
- Once approved, you’ll receive a new, pre-programmed terminal and signage for your store.
- Start processing immediately by terminal, gateway, or website—and forget about paying credit card processing fees on your next month’s bill!
Put Money Back Into Your Bottom Line Without Raising Your Prices.
With processing fees going up like never before, business owners like you are forced to pay outrageous fees to accept credit cards. With PCBancard’s Dual Pricing Program, you’ll pay $0 to process credit cards—and put that money back into your bottom line, instead.
If you could stop paying processing fees, and pay $0 to process credit cards instead, how would you use that money to grow your business?
The Pizza Guy used the Dual Pricing Program to pay his employees more and put thousands of dollars back into his bottom line, instead.
Put Money Back Into Your Bottom Line Without Raising Your Prices.
With processing fees going up like never before, business owners like you are forced to pay outrageous fees to accept credit cards. With PCBancard’s Dual Pricing Program, you’ll pay $0 to process credit cards—and put that money back into your bottom line, instead.
If you could stop paying processing fees, and pay $0 to process credit cards instead, how would you use that money to grow your business?
The Pizza Guy used the Dual Pricing Program to pay his employees more and put thousands of dollars back into his bottom line.
Common questions:
Here are some of the most common questions regarding Dual Pricing and your business.
In 2010, Congress passed sweeping financial regulations under the Dodd-Frank Act. One of the later additions to this bill was the Durbin Amendment. The Durbin Amendment established the cash discount program and allowed businesses to incentivize and encourage their customers to pay with cash.
You’re losing money every time you process a credit card transaction, but that doesn’t have to be the case. It’s unfair that you have to pay out of your own pocket to satisfy someone else’s convenience. That’s where a Dual Pricing can help. You can now keep the full percent of your sale by eliminating credit card processing fees and offering a cash price and a regular price to your customers.
Yes. It legal in all 50 states per the Durbin Amendment (part of the 2010 Dodd-Frank Law), which states that businesses are permitted to offer a discount to customers as an incentive for paying with cash.
We provide you with a pre-programmed credit card terminal for the dual pricing program, giving your customers the option to choose the cash price or regular price. You’ll provide notice to your customers via signage that is provided for you. What’s next? Save! Once you’ve successfully implemented your Dual Pricing Program, all that’s left for you to do is rejoice when you no longer pay processing fees.
The Dual Pricing Program can help businesses that are impacted by high processing costs save money by virtually eliminating their monthly card processing fees. Implementing a true cash discount program sounds like a no-brainer, but keep in mind that to do so, you’ll need to list credit prices on the shelves. If you’ve already priced your goods and services to account for the cost of credit cards, implementing a Dual Pricing Program is easy. You won’t need to change your shelf or menu pricing and can simply offer a cash price and regular price to your customers. Much like how gas stations have always offered two prices, based on how you would like to pay.
Yes, your customer’s credit card statement will still appear as it currently does, and your business’s name will be listed on it.
In fact, surveys have shown that over 80% of respondents stated they wouldn’t think twice about paying 4% Service Fee (only $1.00 on a $25.00 transaction) for the convenience of using their credit card rather than carrying cash. And we all know that fewer and fewer of us are carrying cash these days…and everyone loves the rewards associated with their credit cards. What’s also important to note is that the due to so many digital transactions and service fees for luxuries that have flooded the economy in the last 20 years, most people have become conditioned to service fees as a simple fact of life and have openly accepted this as “normal”.
For many businesses, the Dual Pricing Program when marketed appropriately functions as a tool to attract new customers. Most of the customers like the idea of a discount. A properly implemented Dual Pricing Program rewards those customers who want to pay with cash and receive the discount.
People confuse the Dual Pricing Program with a surcharging program. This is NOT a surcharge program, and it is available in all States. The Dual Pricing Program is a method of implementing an increase in price to all customers while giving a discount to those who pay with cash. Those customers who pay with cash avoid some or if not all (owners discretion) of the price increase. Our technology allows this to happen by giving your customer the choice as to whether they want to pay with cash or the regular (credit) price.
No, it is actually very different, particularly in the eyes of Visa and MasterCard. As mentioned in the preceding Q&A, the 2013 ruling against the card networks resulted in merchants now being able to implement a surcharge in all but 10 states – California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas, plus the U.S. territory of Puerto Rico. Those states claim that a surcharge is not fair to consumers. The Surcharge carries with it several stipulations: Only credit cards may be surcharged – no debit cards Signage must be posted for at least 30 days prior to implementing a surcharge alerting your clientele There is a 4% maximum that can be imposed Surcharging is only allowed in states where the program has not been excluded With the Dual Pricing Program, these limitations are not in place, as you are not implementing an additional fee for accepting a credit card, you are providing a discount for those who pay with cash. This is a clear distinction.
One of the most significant aspects of the program is the fact that businesses must display signs that clearly indicate their participation in the program. These signs must not only be in the entryways of the company but at all point-of-sale locations as well. Additionally, businesses must include all monetary amounts associated with the program on the receipts they provide their customers. If there is a credit card processing fee, companies must display two options to the customer. If a customer receives a discount, companies must show this as well.
When a fee is incorrectly applied to a transaction, an additional fee charged to those consumers using a credit card might be labeled a Surcharge, and that is expressly forbidden by Visa, Mastercard, and the processing provider without taking very specific steps. Additionally, you are forbidden by Visa, Mastercard, and the Processor’s rules to profit on a credit card transaction, which could happen if you accidentally charged more than you were being charged by the processor. The way to avoid this risk is to implement an automated Dual Pricing Program that is different than a Surcharge. The Dual Pricing Program is a method of implementing an increase in price to all customers while giving a discount to those who pay with cash. Those customers who pay with cash avoid some or if not all (owners discretion) of the price increase. Our technology allows this to happen and keeps you within the guidelines of Visa, Mastercard, and processor regulations.
In order to make implementing Dual Pricing as effortless as possible, all of our terminals come pre-programmed and ready to accept payments. The terminal will present your customer with two ways to pay, and they select the option they want. Instructions on how to use the terminal are also included.
No problem! If you feel the Dual Pricing program does not work for your business we can easily switch you back to traditional credit card processing. We will even beat the rates you were paying with your old processor.