🧾 How to Eliminate Credit Card Fees in a Restaurant Without Raising Prices or Upsetting Customers
- Mike Findeisen
- Apr 16
- 3 min read
💥 Restaurant Owners: Tired of Watching Profits Disappear into Processing Fees?
Credit card processing fees are eating into your margins—especially as more customers pay with plastic.
If you're doing $50K+ per month in card sales, that could mean $15,000–$24,000 a year gone before you even pay your staff.
But there’s a better way...
✅ The Simple Way to Eliminate Credit Card Fees
Thousands of restaurant owners across the U.S. are using Dual Pricing programs to legally and transparently pass card fees to the customer—while still keeping everyone happy.
What Is Dual Pricing?
Dual pricing displays two prices for every item:
Cash Price: Lower price if the customer pays with cash
Card Price: Slightly higher price if the customer uses a card
Example:“Burger Combo: $9.70 (Cash) | $10.00 (Card)”
The customer chooses which one to pay—no surprises.
🔧 What Do You Need to Start?
You need smart hardware and software that can:
Show both prices clearly
Apply the cash discount automatically
Print itemized receipts
Stay fully compliant with local/state rules
💡 We make this easy with sleek terminals and hands-on white-glove setup.
✔️ Signage & Staff Training
Transparency is key. We provide:
Counter and window signs
Menu stickers
Staff scripts to handle questions with confidence
😲 Will Customers Complain?
Not at all.
✅ Over 90% still pay with a card
✅ They appreciate the choice
✅ It’s now common in gas stations, utilities, and even grocery stores
It’s about being upfront, not sneaky—and customers respect that.
📈 Keep More of Your Money—Every Single Day
With dual pricing or cash discounting, you:
💵 Keep 100% of every sale
💡 Avoid raising your prices
✅ Stay compliant & transparent
🛠️ Get full support from our team
📍 About Coastal Payment Systems
We help restaurant owners eliminate card processing fees with smart POS systems and dual pricing programs. Based on the Mississippi Gulf Coast, we serve restaurants nationwide with personalized, white-glove support.
📞 Ready to Talk?
Let’s turn your POS into a profit center, not a cost center.
Call us at 888.816.3302 or text 850.380.2854 or email info@coastalskytab.com
🙋 Frequently Asked Questions
❓Is dual pricing legal?
Yes, 100% legal in all 50 states.Dual pricing and cash discount programs are compliant with federal regulations as long as they are clearly disclosed to the customer before the transaction. We help ensure your signage, receipts, and POS system are all compliant.
❓Will I lose customers if I charge more for card payments?
In our experience—and across thousands of restaurant locations—over 90% of customers still pay with cards. Most people are used to small fees or price differences when paying with credit. As long as it’s clearly disclosed, they’re usually fine with it.
❓What’s the difference between dual pricing and surcharging?
Dual Pricing shows two prices upfront: one for cash and one for card.
Surcharging adds a fee after the subtotal for using a card.
Surcharging has more legal restrictions, and in some states it's prohibited. That’s why dual pricing is the preferred, safer option—especially for restaurants.
❓Will this change how I ring up customers?
Nope! Our POS system makes it seamless:
It automatically applies the right pricing
Shows both prices clearly
Updates receipts, tax, and reporting
We also train your team to use it with confidence.
❓Do I need to update my menus or signs?
We recommend it—and we’ll help you do it.
This keeps you compliant and ensures a smooth customer experience.
❓How much can I really save?
Most restaurants save thousands of dollars per year.
Here’s a quick example:
Monthly card sales: $50,000
Average fees: 3.5% = $1,750/month
Annual savings: $21,000+
❓What if I need help or something breaks?
We offer white-glove support with:
24/7 customer service
Live onboarding & training
Remote troubleshooting and hardware replacement if needed
You won’t be stuck waiting on hold with some giant provider. We’re here when you need us.
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