Short answer: yes. Dual pricing and cash discount programs are legal in all 50 states. Here's exactly why — and the rules you need to follow to stay compliant.
Dual pricing is legal in every U.S. state. Under the federal Dodd-Frank Act of 2010, merchants have the right to offer a discount to customers who pay with cash or debit instead of credit. Because dual pricing is structured as a discount — not an added fee — it avoids the state-level restrictions that apply to credit card surcharging.
The only requirement is clear disclosure: you must post both prices and inform customers at the point of sale. SwipeSaving sets this up for you with compliant terminals and signage.
The Dodd-Frank Act (2010) protects a merchant's right to offer cash discounts nationwide.
Visa and Mastercard rules explicitly allow cash discount and dual pricing programs.
Both prices must be clearly posted and disclosed at checkout — we handle the signage.
The most common questions merchants ask about whether dual pricing is allowed.
We handle the terminals, signage, and disclosure rules so your program is legal from day one.