Dual Pricing: Is It Legal, and Should You Use It?

If you’ve been told dual pricing is illegal — or a loophole — you’ve been misinformed. The truth? It’s 100% legal when done right… and it's one of the fastest ways to take control of your payment processing costs.

What Is Dual Pricing?

Dual pricing is a billing method where you offer two prices: one for card payments, and one for cash (or ACH). The customer chooses, and you stay compliant — while offsetting your card processing fees.

It's not a surcharge. It's not a fee tacked on at the end. It's transparent pricing presented up front, the way it should be.

Is It Legal?

Yes — when implemented correctly. Dual pricing is protected under federal law, and it's been upheld in multiple state rulings. But here’s the catch: you need the right signage, the right terminal setup, and a processor that knows the rules.

Kadima gives you all three. We build dual pricing into your merchant setup from day one — ensuring you’re 100% compliant and 100% confident.

Why Businesses Choose It

  • Save up to 100% on processing fees
  • Offer transparency that builds trust with customers
  • Keep margins clean without raising prices across the board
  • Legal in all 50 states when structured properly

Customers appreciate choice. And when they’re shown two prices clearly — one for cash/ACH, one for card — most understand. Many even choose the lower-cost option, which improves your cash flow too.

How Kadima Makes It Easy

We’re not just handing you a terminal and walking away. Kadima delivers:

  • Compliant signage and receipts — already printed and ready to go
  • Terminals pre-programmed with dual pricing logic
  • White labeled Automated Accounts Receivable - RapidPayLink
  • Training for your team so the handoff to customers is smooth
  • Live support if you need to adjust anything as you scale

What About Invoices and Links?

Dual pricing isn't just for in-store terminals. With RapidPayLink, you can send payment requests by email, text, or QR — and still keep compliant pricing built in.

Every link offers your customer the choice: card or ACH. No logins, no portals, just a branded link that gets you paid — fast.

It’s dual pricing, streamlined for service pros, consultants, and growing brands that want pro tools without clunky systems.

Dual pricing isn’t a gimmick. It’s a smart business move — and with Kadima, it’s done right.


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