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✅ Dual Pricing is Legal in All 50 States

Zero Processing
Fees.
100% Honest.

Honest Merchant Solutions brings dual pricing to your business — so customers choose how to pay, and you stop losing money on every card swipe.

📞
📋 Office: Mon–Sat 8AM–6PM | 🛠️ Tech: 24/7/365
Your Price List Dual Pricing
Cash Card
Haircut
$35.00$36.05
Oil Change
$49.00$50.50
Lunch Special
$12.00$12.36
$0 in processing fees You keep 100% of every sale
No Monthly Fees — For Qualifying Merchants
Legal in All 50 States
Works for Any Business
You May Qualify for Free Equipment
Same-Day Approval
Our Programs

Four rate plan options
to save on processing fees

Every business is different. We offer four proven programs so you can choose the one that fits your customers, your industry, and your goals.

Most Popular

Dual Pricing

Post two prices side by side — one for cash and one for card. Customers choose how they want to pay before they get to the register. The card price covers your processing cost, so you keep 100% of every sale.

Two prices posted upfront — cash price and card price — no surprise at checkout
Legal in all 50 states — approved by Visa, Mastercard, and all card brands
Zero processing fees on card transactions — the card price covers your cost entirely
Customers who pay cash actively enjoy saving money — builds goodwill
Works for restaurants, retail, salons, auto shops, and any business type
You may qualify for free equipment depending on your volume and rate plan — call the office to inquire
Best for

Restaurants, bars, retail stores, salons, auto shops — any business where customers can see the price before deciding how to pay. The most universally compliant option available.

Get Started with Dual Pricing →
How it looks at checkout Live Example
Item total$100.00
Cash price$100.00
Card price$103.00
Processing fee you pay$0.00
You keep
$103.00
whether they pay cash or card

Both prices are posted on your menu and POS. Customer chooses — you win either way.

No Charge on Debit

Surcharging

Post your cash price and automatically add a small surcharge at checkout when a customer pays by credit card. The surcharge covers your processing cost — you never pay it out of your margin.

Post your cash price — a 3% surcharge is added automatically at checkout for credit card payments
Legal in most US states — we verify compliance for your specific location
Capped at 3% for all credit cards — never exceeds your actual processing cost
Cannot be applied to debit cards — credit cards only, as required by card brands
Required signage at entry and point of sale — we provide everything you need
Best for

B2B businesses, professional services, and higher-ticket industries where customers are used to seeing surcharges. Not available in California, Connecticut, Maine, or Massachusetts.

Get Started with Surcharging →
How it looks at checkout Live Example
💳 Credit Card
Sale amount$100.00
Surcharge (3%)+$3.00
Customer pays$103.00
Processing fee$0.00
Merchant keeps
$100.00
full sale amount
🏦 Debit Card
Sale amount$100.00
Surcharge$0.00
Customer pays$100.00
Debit interchange-$1.30
Merchant keeps
$98.70
after debit interchange

Surcharge is credit card only — debit is never surcharged.

Reward Cash Payers

True Cash
Discount

Display the higher card price as your standard price everywhere — on your menu, signage, and POS. Customers who pay cash receive an instant discount at the register. You post the card price, and cash customers feel like they're getting a deal.

Post the higher card price as your standard listed price on all menus and signage
Cash customers receive an instant discount at the register — they love it
Card customers pay the posted price — no surprise, no added fee at checkout
Legal everywhere — no surcharge restrictions apply because it's a discount program
No card brand registration required — simpler compliance than surcharging
Encourages cash payment and reduces your processing volume over time
Best for

Businesses in surcharge-restricted states, or any business that wants to incentivize cash payment without posting two prices side by side.

Get Started with Cash Discount →
How it looks at checkout Live Example
Posted menu price$103.00
Customer pays by card$103.00
Customer pays by cash$100.00
Cash discount applied-$3.00
Processing fee you pay
$0.00
card price covers your cost entirely

The higher price is your standard posted price. Cash customers get a discount. No two-price display needed.

Standard Processing

Traditional
Processing

The classic model — one price for everyone, and processing fees are absorbed into your operating costs. We still make this dramatically more affordable with our competitive rates, transparent pricing, and no hidden fees.

One price for all customers — cash and card pay the same amount
Competitive interchange-plus pricing — the most transparent rate structure available
No rate increases after you sign — your rate is locked in for life
No hidden fees, no PCI non-compliance fees, no batch fees
Works in every state with no signage or compliance requirements
Free rate analysis — we will show you exactly what you are paying now and what we can save you
Best for

Businesses that prefer a simple one-price model, operate in states with restrictions, or whose customers are particularly sensitive to seeing different prices. Still far cheaper than big banks and national processors.

Get a Rate Comparison →
How it looks at checkout Live Example
Item total$100.00
Customer pays$100.00
Processing fee (2.5%)-$2.50
You receive$97.50
With Honest Merchant Solutions
Lowest Rate Guaranteed

Simple, clean, one price. We make traditional processing as affordable as possible with no surprises.

Point of Sale

POS Options

We work with several point of sale systems and are always expanding. If you don't see yours listed below, give us a call — we'd be happy to let you know if we can work with your current setup.

Micros Workstation 8
Oracle Micros

Oracle Micros

Oracle Micros is the industry standard for high-volume restaurants and hospitality venues. Built tough, built fast, and fully supported by Honest Merchant Solutions with complete dual pricing integration.

15.6" full HD widescreen touchscreen — crystal clear visibility at any angle
Fanless, no moving parts design — built for demanding restaurant and bar environments
Runs Oracle Simphony and MICROS RES — the most trusted restaurant POS software
Dual pricing fully integrated — cash and card prices display automatically at checkout
Spill resistant and dust proof, made for real restaurant environments
Get Oracle Micros Set Up →
Oracle Micros Workstation 8
Oracle MICROS Self-Ordering Kiosk
Self-Service

Self-Ordering Kiosk

Let Customers Order on Their Own

Give your guests the power to browse your full menu, customize their order, and pay — all without waiting for a server. Self-ordering kiosks reduce labor costs, increase average ticket size, and speed up service during peak hours.

Full Menu Display Self-Checkout Reduces Wait Times Simphony Integrated Dual Pricing Ready
Oracle MICROS Simphony Mobile Order and Pay
Oracle Handheld

MICROS Simphony Mobile

Order and Pay

Take the full power of Oracle MICROS Simphony tableside. Staff can take orders, process payments, and manage checks right from the floor — reducing wait times and increasing table turns in any restaurant environment.

Tableside Ordering Pay at Table NFC Contactless Simphony Integrated Dual Pricing Ready
Dejavoo Systems

Dejavoo Terminal Lineup

Dejavoo offers two powerful Android terminal families — the P Line and QD Line — covering every business environment from countertop to mobile. All terminals support dual pricing, cash discount programs, EMV chip, tap-to-pay, and all major card brands. Below is the full lineup we offer through Honest Merchant Solutions.

Android P Line — Smart Terminals
Dejavoo P1
Android · P Line

P1

Countertop POS

Large-screen countertop terminal with signature capture and PIN entry. ADA compliant and ideal for retail shops and professional offices. A robust all-in-one solution for businesses that need a permanent checkout station with full POS capabilities.

Large Touchscreen Signature Capture ADA Compliant EMV + NFC + MSR Ethernet + WiFi Dual Pricing Ready
Dejavoo P3
Android · P Line

P3

Wireless POS

A flexible wireless POS solution ideal for businesses that need mobility without sacrificing functionality. Accepts all payment types and supports the full Dejavoo software suite including dual pricing, surcharging, and cash discount programs.

WiFi + Bluetooth EMV + NFC + MSR Android OS iPOSpays Gateway Dual Pricing Ready
Dejavoo P5
Android · P Line

P5

mPOS / PIN Pad

Powerful, pocket-sized, and secure. One of the first mini POS devices on the market, ideal for mobile merchants and table-side payment. Perfect for restaurants, food trucks, trade shows, and any business that needs to take payments anywhere.

Ultra Compact WiFi + Bluetooth EMV + NFC PIN Pad Mobile Ready
Dejavoo P8
Android · P Line

P8

Wireless Terminal

Dependable Android terminal built for fast, high-volume transactions. The ideal choice for fast, smooth checkout in any retail or service environment. Reliable, fast, and purpose-built for dual pricing and cash discount programs right out of the box.

Android OS WiFi + 4G/LTE EMV + NFC + MSR Built-in Printer Dual Pricing Ready
Android QD Line — High Performance
Dejavoo QD4
Android · QD Line

QD4

Android Countertop

Lightning-fast omni-channel payment processing in a countertop form factor. Built for high-volume retail environments where speed and reliability are non-negotiable. Supports the full suite of Dejavoo applications including dual pricing and DeNovo back office management.

Countertop Ethernet + WiFi EMV + NFC + MSR Android OS DeNovo Ready Dual Pricing Ready
Dejavoo QD1
Android · QD Line

QD1

Android Wireless

Rugged and dependable — built for businesses on the go. The QD1 is a wireless Android terminal built to withstand the demands of real-world business environments — from restaurants and retail to automotive and outdoor markets.

WiFi + 4G/LTE EMV + NFC + MSR Rugged Design Android OS Dual Pricing Ready
Dejavoo QD2
Android · QD Line

QD2

Android Mobile POS

Perfect for fine dining restaurants and upscale retail environments. The QD2 and QD3 are elegant mobile POS devices that bring the checkout experience directly to the customer — ideal for table-side ordering and payment in restaurants, hotels, and boutique retail.

Table-Side Ready WiFi + Bluetooth EMV + NFC Restaurant Ready Dual Pricing Ready
Dejavoo QD5
Android · QD Line

QD5

Android PIN Pad

Pocket-sized and reliable for fast, problem-free payments. The QD5 PIN pad is built for multi-payment acceptance in environments where a compact customer-facing device is needed alongside a register or POS system.

Compact Design Multi-Payment EMV + NFC POS Integration

All Dejavoo terminals support dual pricing and cash discount programs. Every terminal listed above comes pre-configured for your specific program — dual pricing, surcharging, or traditional processing. We handle setup, programming, and on-site training. You may qualify for free equipment depending on your volume and rate plan — call the office to inquire. Ask us which terminal is right for your business →

Clover POS

Clover Hardware Lineup

Clover is one of the most versatile POS platforms available. Whether you need a full countertop station, a compact tablet, or a handheld device for tableside payments, Clover has a solution. All Clover hardware works seamlessly with dual pricing and cash discount programs through Honest Merchant Solutions.

Clover Station Solo
Countertop

Station Solo

Full-Service POS Station

The flagship Clover system. A 14" HD touchscreen with a built-in receipt printer and cash drawer — perfect for high-volume retail and restaurants.

14" HD Display Built-in Printer Cash Drawer EMV + NFC Dual Pricing Ready
Clover Station Duo
Countertop

Station Duo

Dual-Screen POS Station

Two screens — one for you, one for your customer. The 14" merchant display and 8" customer-facing screen make dual pricing completely transparent at checkout.

14" Merchant Screen 8" Customer Screen Built-in Printer EMV + NFC Dual Pricing Ready
Clover Mini
Countertop

Clover Mini

Compact Countertop POS

A sleek 8" touchscreen countertop terminal — ideal for smaller counters or as a second station. Accepts all payment types with full POS capability.

8" Touchscreen Built-in Printer EMV + NFC + MSR Swivel Stand Option Dual Pricing Ready
Clover Flex
Handheld

Clover Flex

Wireless Handheld POS

Full POS in the palm of your hand. A 6" touchscreen with a built-in printer, barcode scanner, and camera — perfect for tableside ordering and pay-at-the-table.

6" Touchscreen Built-in Printer Wireless Barcode Scanner Dual Pricing Ready
Clover Kiosk
Self-Service

Clover Kiosk

Self-Order Kiosk

Let customers browse your full menu and place their own orders — reducing wait times, increasing order accuracy, and freeing up staff during peak hours.

Self-Order Menu Full Item Photos Built-in Payment Dual Pricing Ready
Clover Kitchen Display
Kitchen

Kitchen Display

KDS — Kitchen Display System

Replace paper tickets with a real-time digital display in your kitchen. Orders appear instantly from any POS terminal, reducing errors and speeding up service.

Real-Time Orders Color-Coded Tickets Wall-Mount Pairs with All Clover POS
🍀

All Clover hardware supports dual pricing and cash discount programs. Every device comes pre-configured for your specific program. We handle setup, programming, and on-site training. Ask us which Clover device is right for your business →

🔜

Tableturn POS

Details coming soon. Call us to learn more about this system.

Contact Us →
Exatouch POS System
Exatouch POS

Exatouch Point of Sale

Exatouch is a powerful, all-in-one POS built for high-volume retail and quick service. Known for its ease of use, deep inventory management, and reliability — fully integrated with dual pricing through Honest Merchant Solutions.

Perfect For
🥃 Liquor Stores 💨 Smoke Shops 🛍️ Retail 🍔 Quick Service
🏷️ Dual Price Shelf Labels — Built Right In
Exatouch dual price shelf labels

Exatouch prints split shelf labels showing both your list price and cash price on every label — two per sheet, ready to stick on your shelves. Perfect for liquor stores, smoke shops, and retail doing dual pricing. No handwriting, no confusion, fully compliant.

Full dual pricing and cash discount support — cash and card prices display automatically
Intuitive touchscreen — minimal staff training required
Built-in inventory management, employee tracking, and detailed reporting
Cloud-hybrid — access your data and reports from anywhere
Free setup, configuration, and on-site staff training included
Get Exatouch Set Up →
Virtual Terminal

No Equipment Needed

Accept payments directly from your web browser — no terminal, no hardware, no installation required. Whether you're at the office, at home, or on the go, you can process credit and debit cards from any device with an internet connection.

🖥️

Browser-Based Payments

Log in from any web browser and start taking payments instantly. No app to download, no device to buy — just your login and a customer's card number.

🔗

Pay Links

Generate a secure payment link and send it directly to your customer via text message or email. They click, enter their card, and you get paid — no back-and-forth needed.

🌐

Website Checkout

Embed a pay link or payment button directly on your website so customers can pay online without calling in. Perfect for service businesses, contractors, and anyone who invoices clients.

💳
No hardware. No problem.

Our virtual terminal and pay link solutions support dual pricing and cash discount programs — so you can still pass your processing fees whether you're taking payments in person, online, or over the phone.

Get Set Up with a Virtual Terminal →
How Dual Pricing Works

Simple, transparent,
fair for everyone

Dual pricing isn't a trick — it's simply showing two honest prices. Customers who pay cash get the lower price. Customers who pay by card pay the full price that covers your processing cost.

Restaurant menu showing both Cash and Card prices
01

Post Two Prices

Display a cash price and a card price on your menu or POS. The card price includes your processing cost built right in — no surprise fee at checkout. Both prices show on the receipt and on the customer-facing display before the customer pays.

02

Customer Chooses

Your customer sees both prices upfront and decides. Pay cash and save, or pay by card at the posted card price. Total transparency, zero confusion.

03

You Keep Every Dollar

Whether they pay cash or card, the processing cost is already covered in the price. Stop subsidizing card networks and start keeping your full margin.

See a real dual pricing receipt below
Mario's Pizza
1234 Main Rd
Orange, CA 92828
1/1/2024
Inv: 0001
Table: 25
Card Price
Cash Price
Wings
$25.75
$25.00
Pizza Slice
$5.15
$5.00
Diet Coke
$2.58
$2.50
Turkey BLT
$10.25
$9.95
SubTotal
$43.72
$42.45
Tax
$3.39
$3.29
TOTAL:
$47.11
$45.74
Thank You!
💡

Why it's legal everywhere: Unlike surcharging (which adds a fee at checkout), dual pricing simply shows two posted prices — the same way gas stations have operated for decades. No surprise charges, no hidden fees, no legal gray areas in any of the 50 states.

🪧

We handle the setup for you: We also help you update your menus and signage to reflect both prices compliantly — so you're ready to go from day one.

Fee Savings Calculator

How much could you save?

Answer 3 quick questions and we'll show you exactly what dual pricing could save your business — based on your actual numbers and industry.

$

Enter your monthly card volume and answer the questions to see your potential savings

Your Estimated Savings
Annual Savings Potential
$0
based on your inputs
Monthly card volume
Estimated avg. rate you pay
Monthly fees you currently pay
Monthly savings with dual pricing
Annual savings
Why merchants love it

The numbers speak
for themselves

The average business pays 2.5–3.5% on every card transaction. Dual pricing puts that money back where it belongs — in your pocket.

Eliminate Processing Fees

Stop paying 2.5–3.5% on every card transaction. With dual pricing, your processing cost is covered by the card price — completely.

100% Compliant Everywhere

Dual pricing is legal in all 50 states, approved by Visa and Mastercard, and has been used by gas stations for decades. Zero legal risk.

Customers Stay Happy

Prices are posted upfront — no surprise fees at checkout. Customers appreciate the transparency, and cash payers love the savings.

Works for Any Industry

Restaurants, salons, auto shops, retail, medical, contractors — dual pricing works for any business that accepts cards. No restrictions.

Monthly card volume
$30,000
typical small business
Annual savings
$9,000+
back in your pocket
FAQ

Questions we hear
all the time

Is dual pricing really legal in all 50 states?
Yes — 100%. Unlike surcharging (which is banned or restricted in several states), dual pricing simply displays two prices upfront. This model is explicitly approved by Visa and Mastercard and has been used by gas stations nationwide for decades. There is no legal gray area whatsoever.
What's the difference between dual pricing and surcharging?
Surcharging posts one price and adds a fee at checkout when a customer pays by card — this can feel like a surprise and is banned in some states. Dual pricing shows both prices upfront (cash and card) before the customer decides how to pay. No surprise, no ambiguity, no legal risk.
Will my customers be upset about seeing two prices?
Most customers understand completely — especially when framed as a cash discount. Customers who pay cash actively enjoy saving money, and card-paying customers appreciate knowing the full price upfront. Transparency builds trust and repeat business.
What equipment do I need?
You may qualify for free equipment depending on your volume and rate plan — call the office to inquire. Our terminals automatically calculate and display the correct price based on payment method.
How quickly can I get set up?
Most businesses are approved and processing within 24–48 hours. We handle the paperwork, terminal setup, and compliance review. You fill out our short form and we take it from there.
Are there any monthly fees or long-term contracts?
We believe in honest, transparent pricing — naturally. We walk you through all costs before you sign anything. No surprise fees, no bait-and-switch, and no long-term contracts. Get a free quote and see exactly what your program looks like before committing to anything.
📋 Office Hours: Mon–Sat 8AM–6PM | 🛠️ Tech Support: 24/7/365
🕐

Office Hours

Monday – Saturday
8:00 AM – 6:00 PM
Sunday
Closed
🛠️

Tech Support

24/7/365
We're always here when you need us — day, night, weekends, and holidays.
📞

Call Us

Send Us a Message →
Get in touch

Ready to stop paying
to get paid?

Fill out the form and a member of our team will reach out within one business day with a free, no-obligation quote tailored to your business.

Free consultation — no pressure, no sales tactics
Exact savings estimate based on your actual volume
You may qualify for free equipment depending on your volume and rate plan — call the office to inquire
Same-day approval for most businesses

No commitment required. We'll never share your information.

You're All Set!

Thanks for reaching out. A member of the Honest Merchant Solutions team will be in touch within one business day with a free, personalized quote.