Understanding Dual Pricing and ACH Payments

What is Dual Pricing?

Dual pricing is a transparent pricing model that displays two prices based on how a customer chooses to pay.

One price for credit or debit card payments
One lower price for ACH, check, or cash payments

Customers see both options upfront and select the method that works best for them.

This approach provides clarity, flexibility, and control without increasing base pricing for everyone.

Why Businesses Are Using Dual Pricing

Different payment methods carry different processing costs.

Credit card transactions include network, assessment, and processing fees that increase as transaction amounts increase. Instead of raising prices across the board, dual pricing allows businesses to align cost with the payment method chosen.

This helps maintain stable pricing while giving customers transparency and choice.

Credit Card vs ACH Payments

Credit Card Payments

Fast and convenient
Widely accepted
Higher processing costs
Fees increase as purchase amounts increase

ACH Payments

Bank to bank electronic transfer
No percentage-based card fees
Lower processing cost
Commonly used for payroll, utilities, insurance, and B2B payments

ACH is a secure and regulated network used nationwide by financial institutions and large organizations.

How Dual Pricing Benefits Customers

Dual pricing is designed to put control in the customer’s hands. Benefits Include:

You choose how you pay and how much you spend.

Common Questions

Can I avoid the higher price?

Yes. Choosing ACH, check, or cash avoids any additional cost associated with card payments.

Is this a new fee?

No. Payment processing costs have always existed. Dual pricing simply makes those costs visible rather than embedding them into overall pricing.

Is ACH secure?

Yes. ACH payments are processed through a regulated banking network used for payroll deposits, bill payments, and business transactions across the United States.

Will pricing continue to change?

The purpose of dual pricing is to maintain stable base pricing by aligning cost with payment method rather than increasing prices for everyone.

A Transparent Approach to Payments

Dual pricing provides customers with visibility, flexibility, and choice. By clearly displaying pricing options and offering lower cost payment methods like ACH, businesses can remain competitive while giving customers more control over how they pay.

Have questions about payment options or ACH setup?

Our team is here to help you understand your choices and find the best fit for your business.