Swipe4Free Dual Pricing

Merchant Industry Banner-Brand pattern

What is Dual Pricing?

Merchant Industry’s Dual Pricing program, Swipe4Free, allows business owners to offer two different transaction amounts to customers paying with cash versus paying with a card. The two separate prices are clearly displayed on the terminal and PIN Pad, showing the customer the discount applied when paying with cash. The discount to customers who pay with cash is typically 4%.

If a customer pays with a card, the 4% discount is not applied. By not applying the 4% discount to customers who pay with a card, you eliminate your card processing fees from card brands to accept card transactions.Your current processor imposes an average fee of 4% on your total credit and debit card processing. With our Dual Pricing program, we eliminate these fees entirely! No signage or minimum signs are needed under Dual Pricing. Dual Pricing is legal within all 50 states and is compliant with all card brand rules.

Exclusive features of Dual Pricing

Accept all major
contactless payments
Have full control
over implementation
Get your funds faster
through Next-Day Funding
Choose card or
cash amount
No more non-cash
adjustments
Best-in-class terminals with Wi-Fi and EMV-enabled technology

How does Dual Pricing work?

01

Card and cash price displayed

02

Customer selects
method of payment

03

Cash discount amount displayed and printed on receipt

How does Surcharging work?

  • Exact amount or percentage of the Surcharge.
  • Statement that a Surcharge is being assessed by the merchant.
  • Surcharge is only assessed on credit card transactions.
  • Surcharge is not greater than the MDR.
What is the amount of your average credit card transaction?
$10,000
How much is your average credit card processing volume per month?
$50,000
How much is your average credit card processing bill per month?
$50,000

Your savings

$360.00

Your monthly processing cost

$99.95

Your savings per month​

$99.95

$0.90 (3%)
Your savings per year
WA OR CA NV ID MT ND MN WI MI IN OH KY TN MS AL GA SC NC VA WV NY ME NJ CT MA VT NH FL PA IL IA MO AR LA SD NE KS OK TX WY UT AZ AK HI NM CO MD

Surcharging are legal

Surcharging is not legal
(aka is prohibited)

Surcharging is legal at a
maximum of 2%