How cash discount, dual pricing and surcharge work

One price to enter

Your business runs one of three pricing programs: cash discount, dual pricing or surcharge. You chose it when your account was set up, and it's in your merchant agreement.

In all three, you enter your own price, the cash price, once. Surge works out the card price from it. You never re-key your items with a calculator, and a price change is always one number.

What your customer pays

• The price shown on the sell screen and the ticket is the card price.
• At checkout, the customer sees How would you like to pay? with a Card price and a Cash price. The cash button shows how much they save.
• A card customer pays the card price.
• A cash customer pays exactly the price you entered. The difference comes off as its own line on the receipt.
• On a split bill, each share is priced by how that share is paid.

Example

Juniper Goods enters a candle at $10.00, and the card price works out to $10.40. Maya Torres pays by card and is charged $10.40. The next customer pays cash and is charged $10.00.

Rules for a surcharge program

• The card extra is capped at 3%, the Visa limit, which is the lowest of the card brands.
• A surcharge is never allowed on debit cards.
• Some states restrict or ban surcharging. Check the rules where you trade.
• Every surcharge receipt carries a short notice about the fee. Surge adds it for you.