A fully compliant dual pricing / cash discount program designed to eliminate your monthly credit card processing expenses.
Pine Payments is a trusted partner for businesses seeking to eliminate credit card processing fees. With years of industry experience, we've helped thousands of merchants save money while providing seamless payment experiences for their customers.
To empower businesses of all sizes by providing innovative, compliant payment solutions that eliminate processing fees and maximize profitability. We're committed to transparency, exceptional service, and building lasting partnerships with every merchant we serve.
We believe in honest pricing with no hidden fees. What you see is what you get.
Your success is our priority. We provide dedicated support to help your business thrive.
We continuously evolve our technology to bring you the most efficient payment solutions.
Industry-leading compliance and security standards protect every transaction.
Our compliant dual pricing / cash discount program puts money back in your business, with secure payment processing and dedicated support behind it.
Our flagship, fully compliant program lets you keep more of every sale by eliminating credit card processing fees.
Process Visa, Mastercard, Amex, Discover and more with ease.
PCI-compliant processing with advanced fraud protection.
Get started accepting payments within 24-48 hours.
Access your funds faster with next-day deposits.
Specialized approvals for hard-to-place industries, including peptide, regenerative medicine, and other high-risk verticals.
Straight answers about dual pricing, cash discounts, and how Pine Payments works.
Dual pricing is a point-of-sale pricing model where you display two prices for every product or service: a lower price for customers who pay with cash, and a standard price for customers who pay with a card. The small difference between the two prices is designed to cover the cost of card acceptance, so your business keeps the full cash price on every sale.
A cash discount program gives your customers a discount when they pay with cash, check, or debit PIN. Customers who choose to pay with a card simply pay the regular listed price. The amount you would have paid in credit card processing fees is built into the card price instead, which is why most merchants see their monthly processing costs drop to nearly zero.
Yes. Cash discounts and dual pricing are legal in all 50 states when implemented correctly. The key is clear, conspicuous signage that shows both the cash price and the card price before the customer checks out. Pine Payments provides compliant POS programming, signage, and staff training to make sure your program meets card-brand rules and state requirements.
With dual pricing, both prices are shown up front: a lower cash price and a higher card price. A surcharge, by contrast, adds a fee only at checkout and only for credit card transactions. Dual pricing is generally simpler for customers to understand, easier to disclose at the register, and avoids many of the state-specific restrictions that apply to credit card surcharges.
Most businesses eliminate the bulk of their monthly credit card processing fees. For example, a business processing $50,000 a month in card volume at an effective rate of 2.5% could save roughly $15,000 a year. Your actual savings depend on your current rates and monthly card volume, and our team will run a free side-by-side comparison before you go live.
Straight answers on dual pricing, cash discount programs, surcharging, and what the rules actually say in your state.
How Miami small businesses can compare merchant services: pricing models, dual pricing, tourist cards, hurricane prep and local support. By Pine Payments.
Read the guideA step-by-step guide to starting a research peptide store, from business setup and supplier COAs to an underwriting-ready website and payment processing.
Read the guideFunds freezes feel random, but they almost never are. Here are the common triggers for holds and reserves, and how to avoid one.
Read the guideSince April 2026, Visa can flag U.S. merchants at a 1.5% fraud and dispute ratio. Here's how VAMP is calculated and how to stay well under it.
Read the guideGuía en español: cómo comparar procesadores de tarjetas en Miami, los modelos de tarifas más comunes y qué preguntar antes de firmar.
Read the guideWalmart and hundreds of merchants are asking the court to reject the swipe fee settlement. Here's what the Nov. 16 hearing could mean for your business.
Read the guideThe same card sales can cost very different amounts depending on your pricing model. Here's how flat rate, tiered and interchange-plus really compare.
Read the guideYour processing statement is the best tool for finding out whether you are overpaying. Learn how to calculate your effective rate and spot fees worth questioning.
Read the guideThe settlement could change interchange, surcharging and card acceptance. Here is what small merchants can do now—and what still depends on final approval.
Read the guideDual pricing shows two prices for every item — one for cash, one for card — so the cost of card acceptance stops eating your margin. Here is how it actually works at the register.
Read the guideThese three terms get used interchangeably by salespeople, and they are not the same thing. The differences show up in how the price is displayed — and in what compliance requires of you.
Read the guideIn most states you can add a fee to credit cards, but never debit. Learn the card network rules, which states restrict fees, and why dual pricing differs.
Read the guideGet a free, no-obligation quote tailored to your business. Our team will analyze your current rates and show you exactly how much you can save.