Is Dual Pricing Compliant with Card Network Regulations?

Yes, dual pricing is a compliant strategy for managing processing costs, provided you follow specific card network regulations regarding transparency and disclosure. This model allows your business to offer both a cash price and a card-present price, effectively offsetting interchange fees and card brand charges.

To ensure your program remains compliant, we focus on the following requirements during setup and provisioning:

• Automatic Calculations: The system must automatically calculate surcharges or cash discounts at the point of sale so the math is handled accurately for every transaction.
• Clear Disclosures: Transparent disclosures must be displayed at the point of sale, ensuring customers are fully informed of the two pricing options before they pay.
• Line Item Transparency: For software-driven solutions like our Lavu Dual Pricing Integration, the non-cash surcharge is collected and displayed as a separate, clear line item on the customer’s receipt.

As your partner for better payment processing, we provide the hardware and expertise necessary to implement these strategies correctly. While the business owner remains responsible for merchant surcharge compliance under applicable card network rules, we guide you through these requirements to ensure your program is aligned with industry standards.

We offer several solutions to support this model, including the Clover Flex Dual Package and Lavu integrations, which are designed to support zero-cost credit card processing for qualifying merchants in the United States.

• Dual Pricing Merchant Services: 2026 Comparison Guide