Eliminate Credit Card Processing Fees with Dual Pricing
Most consumers prefer cards for convenience, but merchant swipe fees rob business owners of 3% to 4% of gross revenue. With our automated Surcharge and Dual Pricing programs, you keep 100% of your profits, 100% of the time.
How Surcharge & Dual Pricing Puts Money Back in Your Pocket
When a merchant processes $30,000 per month in credit cards, traditional merchant processors extract roughly $1,050 every single month in interchange and assessment fees. Over 5 years, that amounts to more than $60,000 lost.
Our automated system programs your point-of-sale terminal to automatically apply a compliant technology adjustment when a customer chooses to pay with a credit card. Customers paying with cash or debit receive their standard low price, while cardholders cover their payment fee.
100% Profit Retention
Collect full ticket amounts without fee haircuts.
Card Brand Compliant
Full Visa, Mastercard, Discover & Amex registration.
Store Signage Included
Legally required clear entrance and counter notices.
Smart POS Automation
Zero calculations or manual math required by staff.
Traditional Processing vs. First Texas Surcharge Program
See the direct financial impact on a representative Texas retail business processing $30,000/month:
| Feature / Expense | Traditional Processor | First Texas Dual Pricing |
|---|---|---|
| Monthly Card Volume | $30,000 / mo | $30,000 / mo |
| Average Merchant Processing Rate | 3.25% - 3.85% | 0.00% (Cardholder Offset) |
| Monthly Fees Deducted from Revenue | -$1,050.00 / mo | $0.00 Deducted |
| Annual Savings Retained by Merchant | $0.00 | +$12,600.00 / year |
| Terminal Hardware Support | Lease or High Upfront Cost | Included Pre-Programmed |
| Card Brand Legal Compliance | Merchant assumes liability | 100% Handled by First Texas |
Our 4-Phase Frictionless Onboarding Roadmap
We handle every regulatory filing, terminal programming step, and compliance check so you can focus on running your business.
Custom Rate & Margin Audit
Our merchant analysts review your current statements, identify hidden junk fees, and calculate your exact monthly savings under dual pricing.
Card Brand Registration
We file official surcharge notifications with Visa, Mastercard, Discover, and American Express on your behalf to ensure full federal compliance.
Smart Terminal Deployment
We ship and install smart POS equipment pre-programmed to automatically compute cash vs. card prices and generate compliant customer receipts.
Signage & Zero-Fee Go-Live
We provide mandated point-of-sale customer notification signage, brief your staff, and activate next-day direct commercial account funding.
Frequently Asked Questions About Surcharging
Clear, definitive answers on regulations, card brand guidelines, and merchant rights.
Is credit card surcharging legal in the State of Texas?expand_more
Yes. Following key federal court rulings striking down Texas Penal Code restrictions, merchants in Texas are legally entitled to pass credit card processing costs to customers via compliant surcharging or dual pricing, provided proper advance signage and receipt itemization are in place.
How does Dual Pricing differ from traditional surcharging?expand_more
Surcharging adds a registered fee (capped by card brands at 3%) specifically to credit card transactions at checkout. Dual Pricing displays both a cash price and a card price for every item. Customers paying with cash receive an immediate discount, while customers paying with card pay the regular card price. Both programs eliminate merchant processing costs.
Can debit cards or prepaid cards be surcharged?expand_more
No. Federal Durbin Amendment rules and card brand regulations strictly prohibit applying a surcharge to debit cards, even when run as "credit" without a PIN. Our smart terminals automatically recognize debit card BIN ranges and waive any surcharge, keeping your business 100% compliant.
Will surcharging or dual pricing upset my customers?expand_more
Over 85% of consumers are now accustomed to cash discount and dual pricing structures across utility bills, gas stations, dining venues, and professional services. Because our signage is transparent and polite, merchants report negligible customer pushback while retaining thousands in net margin.
What hardware is required to run the First Texas Surcharge program?expand_more
We provide modern countertop smart terminals and wireless handheld POS devices pre-loaded with our proprietary surcharge software. Existing compliant hardware may also be reprogrammed over-the-air by our technical support engineers.
Savings Calculator
Submit your monthly processing volume to get an instant calculation of your zero-fee savings.
support_agentTexas Surcharge Help Desk
Have questions about Texas compliance or card brand registrations? Talk directly with our Dallas merchant team.
callCall (903) 496-3300