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Get Rid of Your Fees & Keep 100% of Your Revenue

Why Join The Nation’s #1 Cash Discount, Dual Pricing & Surcharging Platform?

Keep 100% of Your Card Sales

Merchant Industry lets you keep all of your profits by eliminating your credit card processing fees through our dual pricing platform. All prices of goods/services are displayed in both the cash amount and card amount. The cash amount is discounted from the card amount. Should a customer choose to pay in credit card, there will be no discount applied. We also offer surcharge services. This service applies a surcharge fee (maximum 3%) on all card sales of goods/services which is shown as an additional separate line item to the cost of the item/service.

Accept Card Payments Anywhere.

As a Merchant Industry merchant you have access to a suite of the newest POS systems and terminals that will allow you to take payments anywhere on-the-go, making your job and your customer’s life much easier. Being able to accept payments at any given time opens your business up to a new world of opportunities and profitability.

Reward Cash Paying Customers

Merchant Industry does not only eliminate your business’s card fees with our Surcharge Fee, but it also encourages your customers to pay with cash helping you further avoid card fees and putting cash straight into your pocket. Merchant Industry gives your business the unique ability to reward cash paying customers by giving them a lower price.

Partner with us!

Partnering with Merchant Industry means accessing all these incredible benefits and more. 
Join us today and take your payment processing business to new heights!

Dual Pricing is Fully Compliant with Federal and State Laws

Providing the customer the option to pay in card or cash.

The U.S. Has the Highest Interchange Rates

U.S. interchange rates are unregulated, allowing payment card networks (Visa, MasterCard, etc.) to charge what they want at any time. Interchange fees will continue to increase to the merchant.

Raising Your Prices Loses Customers

It has been statistically proven that raising prices costs far more customers than implementing a dual pricing program.

Offset the Rising Minimum Wage Rate

It has been statistically proven that raising prices costs far more customers than implementing a dual pricing program.

Avoid Junk Fees and All Other Miscellaneous Fees

Junk fees are just one example of a junk fee charged by your traditional credit card processor.

Offset Other Constantly Growing Costs of Doing Business

From rising rent to inventory costs, the cost of doing business grows every year for merchants with no relief.

Top Business Types Using Merchant Industry

Delis & Supermarkets

Delis & Supermarkets

Grocery stores & Supermarkets no longer have to lose customers to Credit Card Minimums and can accept credit cards, regardless of the amount, with no fee.

Pizzerias

Eliminate the minimum sale credit/debit card signs and offset increasing minimum wages and food costs through Merchant Industry. No longer do Pizzerias have to worry about decreased profits from processing fees.
Restaurants

Restaurants

Increases in the minimum wage and other costs make it difficult for restaurants to make a profit. Merchant Industry offsets these costs by eliminating their processing bill.
Bars & Nightclubs

Bars & Nightclubs

Whether it be a VIP/Bottle Service establishment, a bar, or lounge all can benefit from eliminating processing fees. When people are celebrating or out partying, they are unlikely to complain..
Salons & Spas

Salons & Spas

Beauty Salons love Merchant Industry. Whether it’s a manicure or a complete makeover; the amount they charge is the amount they receive.
Retail

Retail

Retailers are prime candidates for Merchant Industry, because net margins are much smaller compared to other industries. Retailers know that overhead cost, labor, and inventory slims down your margins significantly

Liquor Stores

Using Merchant Industry helps liquor stores recover the profits lost due to increased labor and inventory costs. Merchant Industry has brought increased profit to this industry.
Professional Services

Professional Services

Doctors & Dentists are always complaining about credit card fees, especially when it comes to Co-Pays. Lawyers have no reasons to pay fees when accepting cards for legal retainers. Now, through Merchant Industry they..
Service Industries

Service Industries

Merchants within the service Industry love Merchant Industry . When assisting a customer with needs like Towing, HVAC, Locksmith etc. The customer has no problem paying for the convenience of using their Credit Card ..

Types of No Fee Processing

Cash Discount Program

Cash discount programs mark up all prices to credit card prices and offer discounts for cash payments at the point of sale. Things to remember when considering a cash discount program
Clear Receipts: Indicate the cash discount on receipts.
Limitations:
  • Higher Posted Prices: Prices include credit card fees, potentially appearing higher than competitors.
  • Legality: Cash discounts are legal in all states, but specific rules may apply.

Cash Discount

$104.00

-

$4.00
$100.00
Cash
$104.00
Card

Dual Pricing

$100.00
Cash
$104.00
Card

Dual Pricing

Dual pricing displays both a cash and credit card prices at checkout, showing customers all options and allowing consumers to choose their preferred payment type. Things to remember about a dual price program:
  • Two Separate Prices: One for cash and a slightly higher price for credit card transactions.
  • Signage: Inform customers about the two pricing options.
  • Legality: Dual pricing is legal in all states and complies with card brand regulations.
Limitations with Dual Pricing:
  • Due to the simplicity and transparency of dual pricing, it has one of the lowest barriers of entry for no-fee processing. It receives less customer pushback, easier setup, and fewer legal and regulation hurdles than surcharging or cash discounts.

Surcharging

Surcharging applies an additional fee when customers pay with credit cards to cover transaction costs. Only cash prices are displayed in-store and when the customer chooses the credit card payment option, the surcharge is added to the transaction amount. Things to consider when considering a surcharge program:
  • Disclosure: Surcharges must be disclosed to customers before payment.
  • Notification: Notify credit card institutions in writing about your intent to surcharge.
No Debit Transactions: Surcharging is limited to credit card transactions only. Receipt Format: Surcharges must be listed separately on receipts and labeled clearly.
Limitations of Surcharging:
  • Legal Status: Surcharges cannot exceed 3% or legal limits set by state laws. Some states prohibit surcharging.
  • Extra Administrative Work: Managing surcharges involves additional tasks and potential calculation errors.
  • Fewer Payment Options: Many providers do not support surcharge programs. Negative Customer Sentiment: Surcharging can create customer dissatisfaction, impacting sales.

Surcharging

$100.00
Cash
$100.00
+
$3.00
$103.00
Card

Merchant Industry Integrations

Terminals

Our complete list of terminals perfect for any brick and mortar business type

POS Systems

Our complete list of Point of Sale systems perfect for any brick and mortar business type

Virtual Terminals

Our complete list of Point of Sale systems perfect for any brick and mortar business type

eCommerce

Our complete list of eCommerce perfect for the on-the-go business owner using a mobile device

Merchant IndustrySavings Calculator

Your Savings

Your Monthly Processing Cost
$360.00
Your Savings Per Month
$310.01
Your Savings Per Year

$3,720.12

$0.90 (3%) Surcharge Fee To Customer

$10,000
What is the Amount of Your Average Credit Card transaction?
$50,000
How Much is Your Average Credit Card Processing Bill Per Month?
$50,000

How Much is Your Average Credit Card Processing Volume Per Month?

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