Now a direct registered ISO of PNC Bank, N.A.. The same local team, on a stronger foundation.
Products · Dual Pricing

Two prices, posted plainly. Zero out-of-pocket card cost.

Post one price for cash and one for card. The customer who pays by card covers the card cost at checkout. Run it right, with the proper signage and disclosures, and your out-of-pocket card cost can reach zero. We set it up the compliant way.

Posted prices · example
Disclosed
Cash price
$10.00
Card price
$10.35
The card-paying customer covers the $0.35 card cost. Both prices are posted and disclosed before checkout.
Your out-of-pocket card cost
$0.00 on this sale
The fee still exists; it is funded by the card-paying customer, not erased.
Illustrative example, not a quote. Program pricing must comply with card network rules and applicable law.
Two clear posted pricesZero out-of-pocket for youCompliant signage includedConfigured to network rulesCard-cost recovery — not a taxCalifornia 1748.1 & SB 478 awareTrilingual local support

It shifts the card cost.
It doesn't erase it.

Card processing always has a cost. Dual pricing doesn't make it vanish, it moves the card portion to the customer who chooses to pay by card, while cash customers pay a lower posted price. Your out-of-pocket card cost can go to zero, but the fee still exists and must be clearly disclosed.

We don't call this "zero fees," because that wouldn't be accurate. Done right, it's zero out-of-pocket for you and full transparency for your customer.

Cash customer → lower posted priceCard customer → covers card cost
At the counter
The terminal shows the cash and card price automatically. Staff don't do the math.

Card-cost recovery, not a tax strategy.

Dual pricing recovers the cost of accepting cards and shows prices clearly. It is not a way to manage taxable receipts or reduce taxes, and we will never pitch it that way. If anyone sells it to you as a tax play, walk away.

See interchange-plus
Try it

See the two prices side by side.

Enter a sale amount to see how a dual-price posting works. The card differential is illustrative, your actual program pricing is confirmed with you and must comply with card network rules.

$
%
Quick fill:

Illustrative only, not a quote. The card fee still exists and is disclosed to the customer; it is funded by the card-paying customer, not eliminated. Program pricing and disclosures must comply with card network rules and applicable law. Not legal or tax advice.

Posted prices
Enter a sale amount to see the cash and card price side by side.
How we set it up compliantly

Done by the rules, with the paperwork handled.

Four steps, set up by a local rep. You don't touch a single disclosure template.

1

Clear signage

Point-of-sale and receipt signage ships with your program, so customers see the policy up front.

2

Accurate disclosure

Both the cash and card price are shown before the customer pays, so there are no surprises at checkout.

3

Terminal configured

Your device calculates and displays the pricing automatically, so staff never have to do math.

4

California rules respected

Configured to current requirements, including California Civil Code 1748.1 and price-transparency rules such as SB 478.

Card network rules and state law on surcharging and dual pricing vary and change. We configure your program to the current rules and provide the required disclosures, but you remain responsible for how you operate it.

Is it right for you?

Honestly, it isn't for everyone.

Dual pricing works best for businesses with steady card volume and an average ticket where the card cost is meaningful. For others, transparent interchange-plus is the better fit. We look at your real numbers and tell you honestly which makes sense, and exactly what your customers will see.

Good fit
Often a great fit
  • Most customers already pay by card
  • Average ticket where the card cost adds up
  • Counter or terminal you control the display on
  • You want predictable card costs
Not ideal
Maybe look elsewhere
  • Very small tickets where pennies don't matter
  • Pricing must stay identical across channels
  • Contracts that fix your customer-facing price
  • You'd rather a single transparent rate
Based in LA County

A real local person sets it up, in your language.

Support in English, Armenian, and Russian, from Beverly Hills to the Valley. When you call, you reach someone who knows your shop, not a queue.

Support in

Thinking about dual pricing?

Let a local rep show you what your customers would see and whether it fits, the honest way, with signage and disclosures handled for you.

Common questions

Dual pricing, answered.

Does dual pricing eliminate my fees?

It can bring your out-of-pocket card cost to zero by passing the card portion to the card-paying customer, but the fee still exists and must be disclosed. It isn't "free" processing, and we won't describe it that way.

Is dual pricing legal in California?+
Dual pricing vs. a surcharge, what's the difference?+
Will it upset my customers?+
Is this a way to lower my taxes?+

ZenythPay does not provide tax, accounting, or legal advice. Dual pricing and cash discount programs are card-cost recovery and price-transparency tools, not tax strategies. You are responsible for operating your program in compliance with applicable law and card network rules, including California Civil Code section 1748.1 and SB 478. Card network rules and state law vary and change; figures shown are illustrative and not a quote.

ZenythPay

Transparent payment processing for LA County small businesses. Money, at its clearest point.

New accounts · (424) 550-0101Support · (833) 993-6984support@zenythpay.com
9405 Brighton Way, Suite 26 Beverly Hills, CA 90210
Products
In-Person PaymentsTerminals & POSOnline PaymentsACH & Bank TransfersDual PricingStatement Audit
Industries
RestaurantsFitness & GymsRetailFood TrucksProfessional ServicesHome ServicesE-commerceAuto RepairSalons & BeautyMedical & DentalBars & NightlifeWholesale & B2B
Company
Why ZenythPayPricingCompare & switchService areasContact & supportContact salesPartner with usRefer a business
Legal & access
Privacy PolicyTerms of UseAcceptable Use PolicyCookies PolicyE-SIGN & SMS/TCPA ConsentSign in

ZenythPay is a registered Independent Sales Organization of PNC Bank, N.A. Payment processing is provided through TSYS / Global Payments. Visa, Mastercard, American Express, and Discover are registered trademarks of their respective owners. Square, Stripe, PayPal, and Clover are trademarks of their respective owners and are not affiliated with ZenythPay. ZenythPay does not provide tax, accounting, or legal advice.

© 2026 ZenythPay, Inc. · Beverly Hills, Los Angeles County, CABuilt for LA's small businesses · English · Armenian · Russian