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.
Related FAQs
-
What Factors Impact Merchant Services Portfolio Value in 2026?
Read More »: What Factors Impact Merchant Services Portfolio Value in 2026?In 2026, the value of a merchant services portfolio is primarily driven by the quality and predictability of its income stream. We focus on several critical factors to determine an asset’s worth: External economic factors also play a vital role.…
-
What are the Current Visa Interchange Rates for 2026?
Read More »: What are the Current Visa Interchange Rates for 2026?Visa interchange rates are the mandatory, non-negotiable fees set by the card network that form the foundation of your transaction costs. For 2026, these wholesale rates typically range from 1.15% + $0.05 to 2.40% + $0.10 per transaction. The specific…
-
How do Visa Interchange Fees Affect my Total Processing Cost?
Read More »: How do Visa Interchange Fees Affect my Total Processing Cost?Visa interchange fees represent the largest portion of your total processing costs and serve as the non-negotiable “wholesale” base rate set by the card network. Because these fees vary depending on how you accept payments and what types of cards…
-
What Industries are Considered High-risk for Payment Processing?
Read More »: What Industries are Considered High-risk for Payment Processing?Identifying whether your business falls into a high-risk category is a critical first step in securing reliable payment processing. Generally, payment processors classify industries as high-risk based on factors such as elevated chargeback rates, industry reputation, and the level of…
-
How do I Get Approved for a Merchant Account with Bad Credit?
Read More »: How do I Get Approved for a Merchant Account with Bad Credit?Obtaining a merchant account with bad credit or a high-risk profile is possible by working with specialized providers who understand your industry’s specific challenges. While traditional banks often decline these applications, we focus on helping you navigate the approval process…

