11/04/2025
Here are the Top 5 Myths we hear about dual pricing — and the truth behind them.
Myth #1: Dual pricing is just surcharging.
💡 Truth: Not quite. Surcharging adds a fee to the listed price at checkout.
Dual pricing, on the other hand, shows two clear prices up front — a lower cash/ACH price and a card price — so customers see the full picture before they pay.
Myth #2: You can only add a 3% fee.
💡 Truth: Unlike surcharging, dual pricing isn’t limited to 3%.
Merchants set a clear cash/ACH discount (typically 3–5%), giving customers a reason to pay with lower-cost methods — and merchants a transparent way to protect margins.
Myth #3: Dual pricing systems are complicated to implement.
💡 Truth: Not with SaaSical.
No clunky hardware. No confusing setup. Just a clean, modern interface built for speed and simplicity. Send invoices by text or email, let customers choose how they want to pay, and get paid fast.
Myth #4: Merchants don’t want to “pass fees” to customers.
💡 Truth: Dual pricing isn’t about passing on fees — it’s about transparency.
You’re showing both options and letting the customer choose. No surprises, no pressure. And when customers understand the choice, most are happy to pick what works best for them.
Myth #5: You can’t recover fees on debit transactions.
💡 Truth: That’s true for surcharging — but not for dual pricing.
Dual pricing lets merchants offer different prices based on payment method, credit or debit, making it a powerful (and compliant) way to recover costs that surcharging doesn’t cover.
The Bottom Line...
Dual pricing is about clarity over confusion. It helps merchants stay compliant, protect margins, and give customers true choice at checkout.
