Skip to main content
Instant quote
Cost recovery pricing

Two posted prices. Healthier margins.

Croft dual pricing lets customers choose cash or card while your card price reflects acceptance costs. Compliant setup, clear signage, and a Croft consultant from quote to go-live.

Get my instant quote(678) 689-8901
Illustration showing cash price $24.00 and card price $25.00 at checkout with the message customer chooses how to pay
  • Post a cash price and a card price at checkout
  • Compliant signage, receipts, and Croft setup support
  • Qualified merchants may qualify for no-cost POS hardware
  • Flat $35/mo program service instead of stacked percentage fees
The margin problem

Every swipe takes a slice

Traditional processing charges a percentage on card volume. That cost is real, but it is often invisible to customers and painful for owners who already priced their goods to make a living.

The Croft approach

Make card costs visible

Dual pricing posts a cash price and a card price before payment. Card payers see what card acceptance costs. Cash payers get the lower posted amount. You stop subsidizing every card sale out of hidden margin.

See how it works
Three steps

How dual pricing works at your register

Simple structure. Compliance handled with Croft support.

  1. 01

    Price from your cash side

    You set the cash price you want to keep. The card price is built from that number so card acceptance costs are reflected in what card payers see.

  2. 02

    Display both prices clearly

    Menus, signage, and registers show cash and card pricing before the customer pays. No surprise fees added at the last second.

  3. 03

    Run on a compliant program

    Croft configures your POS, trains your staff, and documents disclosures so the program follows card network and state rules.

Diagram showing posted cash and card prices at checkout with dual pricing

What customers experience

They see both prices before they pay. Cash customers get the lower posted amount. Card customers pay the card price that matches your compliant program. No awkward fee added at the end of the transaction.

  • Card network compliant dual pricing setup
  • POS configuration for cash and card displays
  • Signage and disclosure guidance
  • Staff training on how to explain both prices
  • Ongoing support from your Croft consultant
Check if you qualify
Run the numbers

Model a sample ticket

Illustrative math only. Your Croft rep builds the real proposal from your statement and volume.

Dual pricing savings calculator

Enter a cash-side price you price from (not necessarily the exact sticker line). See example posted card and cash for the same ticket, then compare offset processing costs + $35/mo program service to what you pay today.

Your inputs

The cash-side amount you use to model the sale, this is not labeled as your final posted cash line. Posted examples below use your spread; live amounts follow compliance and your Croft setup.

$

Used to estimate today’s processing cost

$

Fees ÷ card sales on a current statement

%
Advanced, fine-tune the posted spread

Example math: posted card = cash basis × (1 + this %) on the cash basis you entered. A cash ÷ (1 − r) disclosure model needs a different r for the same dollar gap, here about 3.85% lines up with 4% on the basis. Live pricing follows underwriting and compliance.

%

Example ticket prices

Card (posted)$26.00
Cash$25.00

Posted card is $1.00 above the cash basis you entered (4% on that basis). Cash in this demo matches your basis; your live menu or register lines may differ after rounding and program rules.

Monthly snapshot

You pay today (est.)

$1,462.50

3.25% × volume

With Croft

Offset card costs

+ $35.00/mo

Illustrative savings vs today

About $1,427.50/mo less

Illustrative only. Not tax or legal advice. Card-brand rules and disclosures apply; your live program depends on equipment and underwriting.

Pick your path

Traditional processing vs Croft dual pricing

Every business is different. This is how the structures compare at a glance.

Typical processing

Pay a percentage on card volume

  • Interchange, network fees, and processor markup on every sale
  • Monthly fees and add-ons vary by provider
  • Customers often see one posted price
  • Statement line items can be hard to audit

Croft dual pricing

Offset card costs with posted pricing

  • Cash and card prices displayed before payment
  • Program service at $35/mo instead of stacked percentage fees on the program
  • Croft handles compliant setup, signage, and training
  • Qualified merchants may receive no-cost POS placement

Want pass-through pricing instead? Compare interchange plus or read how Croft pricing works.

Why merchants switch

Built for owners who are tired of fee surprises

Stop bleeding margin on swipes

When every card sale carries a percentage fee, margin disappears quietly. Dual pricing moves that cost into a posted card price customers can see upfront.

Built for real counters

Restaurants, retail, salons, and service businesses use dual pricing when cash and card mix matters and transparency at the register builds trust.

Not the same as surcharging

Dual pricing shows two prices for the same item. Surcharging adds a fee on top of one price. Rules differ. Croft helps you run the model that fits your state and setup.

A Croft consultant, not a ticket queue

Your rep walks through compliance, equipment, and rollout. Same team from quote through go-live.

POS placement

No-cost hardware for qualified merchants

Enroll in dual pricing and Croft can place modern Clover terminals with compliant cash and card pricing already configured.

  • Countertop, mobile, and full-station Clover options for many business types
  • Registers programmed for compliant cash and card price displays
  • Pair hardware with the dual pricing program and flat monthly service
See if you qualifyBrowse POS options

Hardware offers require approval. Models and terms vary by program and volume.

Clover Station Solo POS example for dual pricing merchants
Questions

Dual pricing FAQ

Straight answers before you change how you price at the register.

What is dual pricing?+

Dual pricing means posting two prices for the same product or service: a lower cash price and a card price that reflects the cost of card acceptance. Customers choose how they pay. The goal is to recover card costs without hiding fees at checkout.

Is dual pricing legal?+

Yes, when implemented correctly under card network and state rules. Croft helps with compliant menus, signage, register setup, and receipt language so your program is disclosed the right way.

How is this different from surcharging?+

Surcharging adds a fee on top of a single posted price, usually on credit cards only. Dual pricing shows two separate prices upfront. The right model depends on your business type, state, and how you sell.

What does the $35/month program service cover?+

It is the flat monthly service tied to your dual pricing enrollment and ongoing program support. Your Croft rep confirms exact inclusions for your account before you sign.

Will customers push back?+

Most pushback comes from confusion, not from two clear prices. When signage, menus, and staff messaging match what the register shows, customers understand they are choosing how to pay.

Can I switch programs later?+

Yes. If dual pricing is not the right long-term fit, talk with Croft about interchange plus, flat rate, or other structures.

Still deciding? Talk to Croft or start with a free statement review.

Find out if dual pricing fits your business

We will review your volume, walk through compliance, and show you posted pricing examples. No obligation.

Get my instant quoteBook a free call