Skip to dual pricing

Pass part of your credit-card cost to customers, with clear disclosure

With dual pricing, eligible credit-card purchases can carry a small disclosed fee. Debit and every other ineligible card stays merchant-paid.

Check my eligibility Compare interchange-plus
Credit cards only Capped at your cost of acceptance Eligibility and state requirements

Availability: It is not currently offered in Connecticut, Maine, Massachusetts, New York, Oklahoma, or Puerto Rico. Eligibility is reviewed per merchant elsewhere, including state, processor, card-brand, equipment, and disclosure requirements before activation.

How the two receipts differ at the counter

The fee lands on the sale that can carry it, and the customer sees it before paying.

Debit · prepaid · business debitMerchant-paid
SalePosted price
Added feeNone
Customer paysPosted price

Not surcharge eligible. You keep paying the processing cost on these sales.

Notice

Eligible credit-card purchases carry a disclosed fee. Other payment methods are available.

Door · Register · Receipt
Eligible creditCustomer choice
SalePosted price
Disclosed credit feeShown separately
Customer paysPosted price + the disclosed fee

The amount is set on your approved program and can never exceed your eligible cost of acceptance.

Illustrative. We confirm the customer fee during your eligibility review.

What the business still paysDual pricing offsets part, not all
DebitYou pay processing on PIN debit, signature debit, prepaid, and business debit transactions.
Other costsEquipment, optional software, chargebacks, and applicable pass-through charges stay separate.
Credit feeConfirmed during onboarding, and never above the permitted cost or program cap.

Four requirements before it goes live

These hold before the program is activated and stay visible to the customer.

  1. 01
    Eligible credit only

    No fee on PIN debit, signature debit, prepaid, or business debit cards.

  2. 02
    Cost capped

    The fee cannot exceed your eligible cost of acceptance or the applicable program limit.

  3. 03
    Disclosed three times

    The policy is visible at the door, at the register, and on the customer receipt.

  4. 04
    Fit comes first

    A low average ticket with a heavy debit mix is usually a poor fit and may cost more than it solves.

Whether it fits depends on your customers and average sale

Your credit-card share and how checkout works matter too.

Higher ticket, light credit

Worth a look. The fee reaches few sales, so the offset is small.

Higher ticket, heavy credit

Usually worth reviewing. The fee is not disproportionate to the sale.

Low ticket, heavy debit

Often a poor fit. Most sales can never carry the fee and you pay on them anyway.

Low ticket, heavy credit

Review it carefully. A fee on a small sale is the thing customers notice.

Illustrative. Every program is reviewed against the merchant’s card mix and checkout setup.
Staff

A team that can keep signage and checkout language consistent.

Customers

People already familiar with card-price differences.

Experience

Not for a business whose experience depends on one all-in posted price.

Equipment

Not for checkout flows that cannot apply and disclose the program correctly.

How the review works

We compare the economics and the customer experience before presenting this as an option.

  1. 01

    Review the statement

    Credit and debit mix, average ticket, transaction count, current fees, processing environment.

  2. 02

    Confirm eligibility

    State, processor, card-brand, merchant, and equipment requirements all have to pass.

  3. 03

    Compare the choices

    Dual pricing next to the Simple Rate and interchange-plus when those models also qualify.

  4. 04

    Set up and go live

    Door, register and receipt language plus staff training, then the terminal is configured and switched on.

Equipment is quoted separately. We confirm the launch date after eligibility, signage, and terminal setup are ready.

Dual pricing questions

Can the fee be applied to debit if the customer selects “credit”?

No. The underlying card type controls. PIN debit, signature debit, prepaid, and business debit remain ineligible even when the transaction is routed without a PIN.

Is this the same as cash discount?

No. Crane treats dual pricing and cash discount as separate programs with different eligibility and implementation requirements. This page describes only the reviewed dual-pricing offer.

What if dual pricing is not a good fit?

We can compare the published Simple Rate and a statement-based interchange-plus option instead. A low-ticket or debit-heavy business should not be forced into a customer-fee model.

Find out whether dual pricing fits your counter.

Send one statement. We’ll review eligibility, your remaining costs, and the checkout experience.

Check my eligibility (404) 585-1079