Debit · prepaid · business debitMerchant-paid
SalePosted price
Added feeNone
Customer paysPosted price
Not surcharge eligible. You keep paying the processing cost on these sales.
Dual pricing · customer choice
Offset credit-card costs.
Offset credit-card costs.
Keep it clear.
Eligible credit-card purchases can carry a small disclosed fee. Debit and every other ineligible card stays merchant-paid.
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.
At the counter
Two receipts. One disclosed difference.
The fee lands on the sale that can carry it, and the customer sees it before paying.
Notice
Eligible credit-card purchases carry a disclosed fee. Other payment methods are available.
Door · Register · ReceiptEligible 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.
Non-negotiable
Before it goes live: four requirements.
These hold before the program is activated and stay visible to the customer.
- 01Eligible credit only
No fee on PIN debit, signature debit, prepaid, or business debit cards.
- 02Cost capped
The fee cannot exceed your eligible cost of acceptance or the applicable program limit.
- 03Disclosed three times
The policy is visible at the door, at the register, and on the customer receipt.
- 04Fit comes first
A low average ticket with a heavy debit mix is usually a poor fit and may cost more than it solves.
Fit
The best program is the one customers will understand.
Your average sale, credit-card share, and checkout experience determine whether this fits.
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.
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
Statement first. Signage before switch-on.
We compare the economics and the customer experience before presenting this as an option.
-
01
Review the statement
Credit and debit mix, average ticket, transaction count, current fees, processing environment.
-
02
Confirm eligibility
State, processor, card-brand, merchant, and equipment requirements all have to pass.
-
03
Compare the choices
Dual pricing next to the Simple Rate and interchange-plus when those models also qualify.
-
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.
Questions
Dual pricing, without the sales spin
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 customer choice fits your counter.
Send one statement. We’ll review eligibility, your remaining costs, and the checkout experience.