Dual Pricing

Dual Pricing enables merchants to cut processing costs by simply presenting a cash and card price, ensuring the card price covers the processing fees.

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 Visa rules by avoiding the prohibition against surcharging above the actual “cost of acceptance” and the non-requirement for surcharge registration.

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 changes or updates to the MID account.