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.
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One price for credit or debit card payments
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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
​
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Fast and convenient
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Widely accepted
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Higher processing costs
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Fees increase as purchase amounts increase
ACH Payments
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Bank to bank electronic transfer
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No percentage-based card fees
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Lower processing cost
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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:
Clear pricing
transparency
Ability to avoid additional
cost by choosing ACH
Predicable and
consistent pricing
Secure payment
options
No hidden
fees
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.