Card fees and dual pricing, explained
Straight answers on what card acceptance really costs, how dual pricing works, and where the rules draw the line. Written for shop owners, not accountants.
Every swipe carries a cost most retailers never see broken out: 3.5% plus $0.20 a transaction, buried in a monthly statement. These guides pull that apart so you can decide, per sale, who covers it. Start with the pillar, then dig into the specifics.
Dual pricing, explained
The full guide to letting customers choose who covers the card fee — and why it works.
Dual pricing vs surcharging
They look alike and are regulated very differently. Here is the line between them.
Is cash discounting legal?
The compliant model, all 50 states, and the signage and pricing rules that matter.
What is interchange?
The wholesale cost of accepting a card — who sets it and why you can’t negotiate it.
Credit card fees, explained
Interchange, assessments, and markup — the full stack a retailer actually pays.
Dual pricing laws by state
A 50-state reference on cash discounting and surcharging. General info, not legal advice.
Card fee calculator
See what card fees cost you a month — and what dual pricing hands back.
AI receptionist cost in 2026
What stores pay for AI phone answering, what drives the price, and the flat-line alternative.
Dual pricing signage generator
Enter your store name and card fee, print a cash discount sign and shelf tags for the register — free, in about a minute.
Stop guessing what cards cost you
Turn dual pricing on and watch the fee line shrink.
Start free — 21 days