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Dual Pricing Program Built to Save You

Recover most of your credit card processing fees with a compliant dual pricing program, configured to Texas rules by a US-based team, no contracts.

$250 Million

 Payments Processed Annually

★★★★★5.0onGoogleUS-Based SupportNo Long-Term Contracts
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How Dual Pricing Math Works with dual pricing and cash discount
Save up to 100%on processing fees
Dual Pricing & Cash Discount
How Dual Pricing Math Works

Dual pricing shows two prices: a lower cash price and a card price that carries the processing fee. On a 100 dollar sale at 3 percent, card customers cover about 3 dollars, so you keep close to your full cash margin.

ProTech programs the difference into your terminal or POS automatically, prints both prices on every receipt, and posts the required signage at the register. The setup follows card brand rules and Texas disclosure law, with US-based support and no long-term contract.

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Dual Pricing

A cash and card price that covers your fees

Dual pricing posts two clear prices at checkout, a lower cash price and a card price. Customers who choose to pay by card cover the processing fee, so you keep more of every sale. ProTech sets your terminal, POS, and receipts so both prices show up front, fully disclosed.

You get compliant signage, a separate line item on every receipt, and U.S.-based support that sets it all up for you. No card-brand registration headaches, no surprise statements, just most of your card fees recovered.

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Merchant services and point-of-sale payment processing for your business
One platformevery way to get paid
Ways to Get Paid

Accept payments your customers love

Accept every way your customers want to pay with ProTech Payments, from credit cards to digital wallets, all on one secure dual pricing.

Credit & Debit Cards

Credit & Debit Cards

Accept all major credit and debit cards in store, online, and by phone.

Digital Wallets

Digital Wallets

Take contactless payments with Apple Pay and Google Pay.

ACH & Bank Transfers

ACH & Bank Transfers

Collect low-cost ACH and bank transfer payments directly from accounts.

Mobile Payments

Mobile Payments

Accept mobile payments anywhere from your phone or tablet.

QR Codes & SMS Links

QR Codes & SMS Links

Let customers pay instantly with a QR code or a secure SMS link.

Recurring Payments & e-Invoicing

Recurring Payments & e-Invoicing

Automate recurring billing and e-invoicing with QuickBooks sync.

Start accepting every payment
All methods included, with no extra setup and no surprise fees.
Pricing options

Choose the pricing that saves you most

Three ways to price your credit card processing. Most ProTech merchants pick dual pricing to recover their fees.

01

Flat-rate

Simplest setup

One flat rate per sale, simple to read but usually the most expensive option.

  • One predictable rate
  • Easy to understand
  • Best for low volume
~2.6-2.9%effective rate
02

Interchange-plus

Most transparent

Wholesale cost plus a fixed markup, the most transparent rate for higher volume.

  • Full fee transparency
  • Lower cost at scale
  • Best for mid-high volume
~2.1-2.4%effective rate
★ Most popular 03

Dual pricing

Recover your fees

A cash price and a card price at checkout. Card customers cover the fee, so you recover most of your processing fees.

  • Recover most card fees
  • Cash & card price at checkout
  • No long-term contract
≈ $0net processing cost
See which fits my business

Not sure? We’ll recommend the best rate after a free statement review.

Why ProTech

The smarter dual pricing

As a U.S.-based processor trusted by thousands of merchants, we build dual pricing to card-brand and Texas rules, so you recover most of your card fees with clean signage and receipts, plus a support team that actually answers when you call.

  • PCI DSS Level 1 secure processing with 256-bit encryption
  • Trusted by thousands of U.S. small businesses
  • Get approved in days, not weeks
  • Low transparent pricing with no hidden fees or long-term contracts
Get started today
01

Quick Setup

Get approved fast and start accepting credit card payments online.

02

Flexible APIs

Connect your store with flexible integrations and developer-friendly payment APIs.

03

Security

Built-in fraud prevention and chargeback management tools, ready whenever you need them.

04

Support

Real U.S.-based payment support, available 24/7 by phone and email.

What our merchants say

Rated 5.0 ★ from Google reviews by US businesses that trust ProTech with their payments.

How it works

Set up in three simple steps

From your first call to going live, ProTech makes switching payment processors simple.

1

Send your statement

We review your current credit card processing rates for free, with no obligation.

2

Set up signage

We program dual pricing on your terminal or POS and post cash and card signage.

3

Start saving

Go live with dual pricing and recover most of your credit card processing fees.

ProTech Payments specialists helping a merchant go live
Live in 1-3 daysReal US-based specialists
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No long-term contracts · No obligation

FAQ

Frequently asked questions

Everything US merchants ask before switching their credit card processing to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

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or call (888) 255-0425
Is dual pricing legal?
Yes, compliant dual pricing is legal across the US when it is set up and disclosed correctly. The program shows two prices, a card price and a lower cash price, and the customer chooses. The key is proper disclosure and signage at the point of sale and on receipts, which ProTech configures for you. We build it to follow card brand rules and applicable state law, so you recover most of your 2.3 to 3.5 percent in processing fees without crossing any line.
What is the difference between dual pricing and a surcharge?
A surcharge adds a fee on top of the shelf price only when a customer pays by credit card, and it comes with strict caps, registration, and rules that vary by state. Dual pricing instead posts two prices up front, a card price and a cash price, so nothing is added at checkout, the customer simply sees both and picks. Dual pricing is generally cleaner to run and applies to debit as well, which is why ProTech sets it up this way.
How much can dual pricing actually save me?
Dual pricing can recover the large majority of what you pay to process cards, which is typically 2.3 to 3.5 percent of card volume. If you run 50,000 dollars a month in card sales at 3 percent, that is about 1,500 dollars monthly, and most of it shifts to the card paying customer. Exact recovery depends on how many customers pay cash versus card, but most ProTech merchants offset nearly their entire processing cost.
How do customers react to dual pricing?
Most customers barely react because they already see this at gas stations and many local shops, where a cash price and card price sit side by side. Clear signage up front is what keeps it smooth, since people dislike surprises at the register, not the pricing itself. ProTech provides the in store signage and configures receipts so the two prices are obvious before checkout. In practice, complaints are rare and most customers simply pick the option they prefer.
Does dual pricing apply to debit cards too?
Yes, dual pricing applies to debit card transactions as well as credit, which is one of its advantages over a credit only surcharge. When a customer pays with any card, debit or credit, they pay the card price, and the cash price applies only to cash. This keeps your pricing consistent and your recovery higher across every card type. ProTech programs your terminal and any online checkout so the card price triggers automatically on debit and credit alike.
What signage and disclosure does dual pricing require?
Dual pricing requires clear notice that a cash price and a card price exist, posted where customers see it before they pay, typically at the entrance, the register, and on the receipt. The disclosure must be visible and not hidden in fine print. ProTech supplies the point of sale signage and sets up your terminal and receipts so both prices show automatically. Proper disclosure is what keeps the program compliant, so we handle the setup rather than leaving it to you.

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