No contracts | Works with your existing POS and terminals. | Fully compliant dual pricing
Dual pricing shifts the cost of card processing to the card price, helping protect your margins on every transaction.
See what you processed, what was covered through dual pricing, and how much you saved.
Reach a live support team day or night, including Spanish-speaking representatives.
Share your most recent processing statement — takes about 2 minutes. We’ll calculate exactly what you paid in fees, project your savings under dual pricing, and show you the real numbers. No obligation, no sales call unless you want one.
If the numbers work for you, we configure your existing terminal or POS for compliant dual pricing — no new equipment required in most cases. We provide the customer-facing signage required by card networks. You review and approve before anything goes live.
Once your setup is complete, you process payments exactly as you do today — but your card processing fees are covered by the card price, not by you. Your take-home from every sale stays the same, regardless of how the customer pays.
Move the sliders. See your real number based on actual Paynada merchant data, not marketing math.
Our Dual Pricing model allows customers who pay with cash to receive a discounted price on goods or services. If they choose to pay with a credit card, the price will be 4% higher than the cash price. This enables your customers to receive their rewards while enabling you to process transactions without incurring fees.
✗ Interchange + Pricing
✗ Pricing transparency
✗ Net Effective rates between 2-4% on average
✓ Up to 100% free processing
✓ Fully compliant dual price programs
✓ All marketing and signage provided
Every industry has different margins, different average tickets, and different customer expectations. Paynada configures dual pricing to fit how your business actually works — so your checkout stays professional and your fees go to zero.
Boutiques, gift shops, and specialty stores run high card volumes on mid-range tickets. Dual pricing eliminates those transaction costs without changing how your customers shop. Works with major retail POS platforms.
Thin restaurant margins make processing fees especially painful. Paynada eliminates them — and works with the terminal and POS hardware you already have in most cases. From QSR to full-service dining.
Online merchants often face card-not-present rates of 3.5% or higher. Paynada supports compliant e-commerce dual pricing through integrated payment gateway solutions built for online checkout.
High-value invoices mean high processing fees. At 3%, a $3,000 invoice costs $90 in fees alone — every time. Dual pricing makes that $0, on every invoice, to every client.
Yes — fully legal in all 50 states. Dual pricing (displaying a cash price and a card price) is explicitly permitted under Visa, Mastercard, and Amex operating rules, and complies with surcharge regulations in every U.S. state. Paynada’s program is built on this framework.
No, and the difference matters. A surcharge adds a fee on top of your regular price for credit card use, and is subject to state-by-state restrictions. Dual pricing sets two separate prices — cash and card — at the point of sale. It is not classified as a surcharge, which means it’s permitted without the limitations that apply to surcharging.
Most don’t — especially when signage is clear and consistent, which we handle for you. Many customers actually prefer seeing both prices and choosing how to pay. The ones who pay cash appreciate the lower price. The ones who pay card typically value convenience and their rewards.
No. Paynada is month-to-month with no cancellation fees. You can leave anytime without penalty.
Most merchants are live within 3 business days of approval. We handle the setup, configure your terminal for compliant dual pricing, and provide all required customer-facing signage. Your existing terminal keeps running during the switchover — no downtime.
In most cases, no. Paynada is compatible with the major terminal brands already in use at most businesses. We’ll confirm compatibility during your free savings analysis and tell you upfront if your setup requires anything additional.
Free savings analysis. No obligation. No sales call until you’re ready. Just a real number, based on your actual statement.
