Dual Pricing

Dual Pricing enables merchants to "zero out" credit card processing costs. With Dual Pricing, a merchant simply displays a cash and card price, ensuring the card price covers the transaction costs.

Dual Pricing Display Example

• Cash Price: $100.00
• Card Price: $103.95 

Merchant Post Customer Notice Signs at the Entrance and Point of Sale:

Items Display Both Card and Cash Price:

Visa Compliance

Dual Pricing has grown in popularity because traditional surcharging and minimum-purchase programs (e.g., a $10 credit-card minimum) cannot be applied to debit card transactions. Dual Pricing also ensures compliance with not surcharging above the actual “cost of acceptance” and surcharge registration requirements.

Compliance References

• Visa Minimum Transactions Amount Credit Card
• Merchant Surcharging Considerations and Requirements
• Link to Visa Rules -  https://usa.visa.com/support/consumer/visa-rules.html

Visa Non-Compliance Fines

When implementing Dual Pricing — it’s essential to be fully compliant from day one! Visa conducts in-store audits and can issue non-compliance fines starting at $1,000 for a first violation. Additionally, any violation remains associated with the store location — regardless of ownership change or getting a new MID account from a different processor.