Keep 100% of your sales.

Eliminate processing fees instantly with our compliant Dual Pricing program — a listed cash price and a listed card price, so the cost of accepting cards is never absorbed by your business.

You’ll be redirected to our secure Iris application to finish signup — identity and bank verification happen there.

Why merchants pick this program

The keep-100% dual pricing advantage

Zero processing fees

Keep 100% of your revenue

Dual pricing displays a cash price and a card price at the point of sale, so the cost of card acceptance is built into the listed price — not deducted from your deposit.

No hardware cost

Free smart terminals

Terminals arrive pre-configured to display both prices and calculate the difference automatically — no manual price tags to maintain.

Cash flow

Next-day funding

Funds settle to your bank account by the next business day.

Fast approval

Instant approvals

Most applications are approved in under 2 minutes through our secure Iris portal.

Compliant setup

Built to program rules

Dual pricing / cash discount programs must be disclosed clearly at checkout — our terminals handle the required signage and receipt language automatically.

Dedicated MID

Your own Merchant ID

A real Merchant ID issued in your business's name, not a shared account.

How signup works

From application to accepting cards

1. Apply online

Click Sign Up Now and complete the secure Iris application with your business, banking, and volume details.

2. Verify instantly

Identity and bank verification happen inside the Iris application — most merchants are approved in about 2 minutes.

3. Post your dual pricing

Your free smart terminal arrives ready to display cash and card pricing and handle the math automatically at checkout.

Common questions

Frequently asked questions

What's the difference between dual pricing and surcharging?

Surcharging adds a fee on top of a single posted price for credit card purchases only. Dual pricing (cash discounting) posts two prices — a cash price and a slightly higher card price — for every transaction, and is generally the more flexible program because it can apply to both credit and debit under most state rules, provided it's disclosed clearly.

Is dual pricing legal?

Yes, cash discount / dual pricing programs are legal nationwide when prices are clearly and conspicuously disclosed at the point of sale and on the receipt. PayWavez's smart terminals handle the required signage automatically.

How much can I save?

Merchants on our dual pricing program typically eliminate the large majority of their card processing costs, since the cost is reflected in the card price rather than deducted from the merchant's deposit.

Do I need new price tags?

No. Dual pricing is calculated and displayed at the terminal, not on physical price tags — you keep one set of prices in the back office.

Do I need a sales call to sign up?

No. The application is fully self-service through our secure Iris portal, any time, day or night. If you'd rather talk it through first, our team can also apply on your behalf.

Ready to keep 100% of your sales?

Apply in about 2 minutes. Free smart terminal, next-day funding, and a program built for maximum merchant savings.

Not sure which pricing model fits your business? Compare all three or apply with help from our team.