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What is Dual Pricing and Cash Discount?
With Dual Pricing and Cash Discount, businesses offset credit card processing fees by offering different prices for cash and credit card transactions.
Why Choose Hubwallet's Dual Pricing Program
Retain More Revenue
Intelligently offset processing costs while maintaining full payment flexibility.
Seamless Transactions
Advanced smart terminals ensure precise and smooth dual pricing implementation.
Compliance Guaranteed
Fully aligned with Visa Mastercard networks, complying with federal, state and card regulatory standards.
Competitive Advantage
Protect your profit margins while offering comprehensive payment solutions.
How Hubwallet's Dual Pricing - Cash Discount
Program Works
Customer Pays with a Credit Card
The customer inserts, taps, or swipes their credit card at checkout. The system detects the card type and ensures compliance by verifying that it's not a debit or prepaid card.
Dual pricing - Cash discount Automatically Applied
A 4% Dual pricing - Cash discount is calculated and added to the total amount. The customer is notified of the Dual pricing - Cash discount before completing the transaction. If the customer uses a debit card, no Dual pricing - Cash discount is applied.
Hubwallet will provide the correct signage at the time of signing for this program so customers will know ahead of time that your establishment is fully PCI compliant.
Transparent Receipt Display
The transaction receipt clearly itemizes the Dual pricing - Cash discount amount. This ensures customers understand they are covering the processing fee. Businesses remain fully compliant by providing proper Dual pricing - Cash discount disclosure.
Same Day Funding.
The full transaction amount (including the Dual pricing - Cash discount) is deposited into your account the same business day. To obtain Same Day Funding, transactions must be completed by or before 12 AM PST / 3 AM EST. Your merchant statement will detail Dual pricing - Cash discount revenue separately for easy tracking and financial clarity.
Full Disclosure
Understanding the difference between dual pricing and cash discount programs and how they work for your business
Dual Pricing Model
Dual Pricing Explained
Dual pricing refers to the practice of offering two different prices for a product or service: one price for customers paying with cash and a higher price for those paying with a credit card.
Two Distinct Prices
A business displays two prices: one for cash payments and one for credit card payments.
Credit Card Surcharge
The credit card price includes an added surcharge to cover the processing fees charged by credit card companies.
Customer Choice
Customers can choose between paying the lower price for cash or the higher price for using a credit card.
Regulatory Compliance
Dual pricing is legal in many places, but the business must clearly communicate both prices to the customer at the point of sale.
Key Differences
Dual Pricing
- Shows two separate prices: one for credit card payments and one for cash payments
- The credit card price includes a surcharge
- Framed as two different prices for different payment methods
Cash Discount
- Offers a single standard price with a discount for cash payments
- The standard price already includes the processing fee
- Framed as a benefit for cash-paying customers
Common Goal
Both strategies are designed to reduce the impact of credit card processing fees on businesses, but they approach it differently. The key is proper disclosure and transparency with customers to maintain compliance with regulations.
Our dual pricing and cash discount programs are implemented with proper signage, receipt documentation, and customer disclosure to ensure full compliance with all applicable laws and regulations.
Who Benefits From Our Hubwallet Zero Cost Credit Card Processing
If your business is frustrated by losing revenue to credit card fees, Hubwallet provides a compliant, easy-to-use solution. Here are some types of businesses that can benefit from our Dual Pricing - Cash Discount program:
The Hubwallet Difference
A family-owned business committed to helping merchants like you save money and grow.
Family-Owned Values
As a family-owned business, we bring personal care and attention to every merchant relationship we build.
Small Business Perspective
We're small business owners just like you, giving us unique insight into your challenges and needs.
Trusted Partnerships
Direct partners with First Data and Tysys, the most prestigious and reliable processors in the industry.
Why Thousands of Merchants Trust Us
Trusted by Thousands
Tens of thousands of merchants rely on our services daily.
98% Customer Satisfaction
Our commitment to excellence results in consistently high satisfaction rates.
Proven Savings
We've saved our clients hundreds of thousands of dollars collectively.
Free Customer Service
While others charge fees, we'll NEVER charge you for customer service.
Ready to Boost Your Bottom Line?
We're excited to serve you and businesses nationwide to SAVE your hard-earned money and put it back into your bottom line.
Complete Your Application
Please provide your information and upload the required documents. After submission, we'll schedule a Zoom consultation to discuss your business needs.