Dual Pricing & Zero Fee Processing | Eliminate Credit Card Fees

Zero Fee Processing

Dual Pricing

Eliminate Your Fees

Supply chain, wage increases, workers compensation, taxes and inflation have the cost of doing business skyrocketing… In restaurants, food costs and the costs associated with employee training are up over 30% in some states. How much can you raise your prices to offset these increases without losing customers? We have a solution that will help.

Our Dual Pricing Program otherwise known as Zero Fee Processing.

A Dual Pricing program is designed to encourage customers to pay by cash. As part of your regular standard list pricing, a small service charge is applied to all credit card sales. A discount is automatically applied when customers choose to pay with cash. As a result, Dual Pricing nearly eliminates the processing costs associated with credit card acceptance.

EMV Counter-top Terminals
Apple Pay, Samsung Pay, Google Wallet, Visa pay-Wave, MasterCard Pay-pass
Display logo on the screen and print logo on the transaction receipts
Have the benefit of low cost merchant pricing
Dial, IP & WIFI Counter-top terminals and POS solutions

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── Why It Matters ──

What Are You Paying in Fees Right Now?

Credit card processing fees typically run between 2.5%–3.5% of every transaction. For a merchant processing $100,000 per month that’s $2,500–$3,500 in fees every single month — money that goes directly to the card brands instead of your bottom line. Dual Pricing puts that money back in your pocket.

$3,500 avg. monthly fees at $100k volume

95% savings with dual pricing

$42k potential annual savings

100% card brand compliant

Without Dual Pricing

Pay 2.5%–3.5% on every card transaction
Absorb all interchange & assessment fees
Fees compound as sales volume grows
No incentive for cash payments
Processing costs eat into already thin margins

With MIDsource Dual Pricing

Save up to 95% on credit card processing fees
Small service charge applied to card transactions
Cash customers receive an automatic discount
100% compliant with card brand regulations
Transparent pricing displayed at point of sale

Who Qualifies

Every Type of Business Qualifies

MIDsource’s Dual Pricing Program is available to virtually every type of merchant. Whether you operate a traditional brick-and-mortar store, run an Online shop, or process payments over the phone — you qualify.

Brick and Mortar / Card Present Merchants

E-Commerce Merchants

MOTO Merchants

Mobile Merchants

Technology

Payment Integration Software

Integration software for all main payment channels and platforms, including:

Brick and Mortar / Card Present Merchants

E-Commerce Merchants

MOTO Merchants

Mobile Merchants

How It Works

Simple. Transparent. Compliant.

The Dual Pricing program is designed to be completely transparent to your customers while fully compliant with Visa, MasterCard, and all major card brand regulations. Here’s how it works in practice:

Set your standard list price — this becomes your card payment price, inclusive of the small service charge
Display both prices clearly — your POS terminal and receipts automatically show both the card price and the lower cash price
Customer chooses their payment method — cash customers automatically receive the discounted price
Your fees are virtually eliminated — the small service charge offsets your processing costs without raising your regular prices
Monthly savings compound — the more you process, the more you save

Common Questions

Dual Pricing FAQ

Yes. Dual Pricing is fully compliant with Visa, MasterCard, Discover, and American Express regulations when implemented correctly. MIDsource ensures your program is set up and disclosed properly so you remain 100% compliant at all times.

Most customers understand and accept transparent pricing. When the choice is clearly displayed — a slightly higher card price vs. a lower cash price — customers appreciate the transparency. Many actually choose cash to get the discount, which further reduces your costs.

MIDsource merchants typically save up to 95% of their credit card processing costs. For a business processing $50,000/month at 3% in fees, that’s approximately $1,500 back in your pocket every month — or $18,000 per year.

Once approved — which typically happens within 24 hours of submitting your application — MIDsource works with you to get your terminals and software configured. Most merchants are fully operational within a few business days.

MIDsource supports integration with all major payment platforms and channels including brick-and-mortar POS, e-commerce, MOTO, and mobile solutions. We’ll assess your current setup and recommend the best path forward during your consultation.