Your Card Convenience Fee Is Driving Away Customers

Interchange Plus Pricing Credit Debit Cards

Posting A Card Convenience Fee Is Driving Away Your Customers πŸ‘Ž
We’ll Show You How You Keep Them πŸ™‹β€β™€οΈ While Saving 90% + On Card Processing Fees 🏦

Mt Timpanogos (Edge) 0% Dual Pricing Card Processing Fees To The Rescue!

Our goal is to help your business in todays compete market! Offsetting fees the correct way and to be compliant is the advice we are offering.

Many Utah businesses are posting signs on their door or next to the register alerting their customers about charging them for using a credit card to pay for their purchase (this is to offset processing fees merchants have been covering for so long).

This method is far and away one of the quickest ways to drive away customers. Here we will explain and show your business an innovative and compliant way to offset processing fees without upsetting customers.

Looking at the sign image, you can see what this business posted for their customers. This is likely to leave a sour experience in your customers mind.

This Method Is Called: Surcharging / Card Convenience Fee


What Is Going Through Your Customers Mind πŸ€” During Checkout

Checking out at the counter with a card convenience fee

When it is time for your customer to checkout, they often already have a numbers in their head of what the total will approximately be. They approach the cashier, taking their card out, ready to pay.

Then, all of the sudden the total increases from what they were expecting to pay. Then they notice the sign announcing the extra fee being charged because they are paying with a card.

Keywords To Think About: the negative idea stuck in their mind now is
“I am paying an extra fee!” πŸ€”

Removing The, “I am paying an extra fee!” From Your Customers Mind.
Dual Pricing To The Rescue πŸ‘

We have an innovative way to remove this idea from your customers mind. This will replace the “I am paying an extra card fee” thoght with, “I can pay with cash and save”. Let’s admit that this phrasing changes the mindset from….“I am paying an extra fee” to, “I can get a discount if I pay with cash”

This Method Is Called: Dual Pricing / Cash Discounting

Don’t Believe It Works? On the east and west coast’s of the USA we are setting up 97% of all new accounts with a 0% dual pricing card processing platform through our sister company iSmart Payments as are ALL Other Merchant Service Providers. 

With Utah EZ Pay, here in the State of Utah, the number of NEW merchants using a Dual Pricing model has now reached 65% as of June 2023. In the next 12 months that number is expected to reach 75% or more. 

Card Convenience Dual Pricing

Best Solution For Any Utah Business Accepting Card Payments πŸ”

This must watch video explains how Dual Pricing works for a positivee customer experience.

Set Your Business Up With Any Of The Free πŸ’³ Dual Pricing Card Processing Options Below:

All of our Free PayAnywhere Smart terminals form North American Bancard below will add in the card processing fee in on all your card transactions.
Your business will benefit from our professional Mt Timpanogos 0% Dual Pricing and being in compliance with the card brands.

PayAnywhere Mobile
Smart Terminal

PayAnywhere Free POS Terminal Mobile

PayAnywhere Countertop

Free POS Terminal-Countertop and PIN Pad

PayAnywhere Smart
POS System

Utah EZ Pay PAX E700 POS Point Of Sale Process Cards For 19.95 A Month

6 Points You Sold Know About The Dual Pricing System:

The dual pricing system, also known as surcharging or cash discounting, is a payment processing model where merchants offer different prices for goods or services based on the customer’s chosen payment method. Here are some potential benefits of using the dual pricing system for a merchant account:

  1. Cost Recovery: Credit card processing fees can be a significant expense for merchants. By implementing dual pricing, merchants can pass on the cost of credit card processing to customers who choose to pay with cards. This helps recover some of the fees associated with accepting credit cards, reducing the impact on the merchant’s bottom line.
  2. Transparency: Dual pricing provides transparency to customers by clearly differentiating the cost of goods or services when paid with cash versus when paid with a card. Customers can make informed decisions based on their preferred payment method and the associated costs.
  3. Cash Incentive: The dual pricing system often encourages customers to pay with cash or non-card methods, as they can enjoy a lower price for the same goods or services. This incentivizes cash transactions and reduces the merchant’s reliance on credit card payments, which can be subject to transaction fees and potential chargebacks.
  4. Cost Savings: By reducing the number of credit card transactions, merchants can save on processing fees. With the dual pricing system, the merchant can negotiate better rates with payment processors based on the volume of cash transactions, leading to potential cost savings.
  5. Improved Profit Margins: The ability to recover credit card processing costs through dual pricing can contribute to improved profit margins for businesses. By ensuring that the fees associated with accepting credit cards are adequately covered, merchants can maintain healthier financial stability.
  6. Flexibility: Dual pricing allows merchants to adapt their pricing strategy based on their business needs. They can set different price structures for different payment methods, accommodating variations in costs and preferences across their customer base.

Utah EZ Pay Will Come Out To Your Business & Show You How πŸ€™

Greg G Kapitan of Utah EZ Pay

What makes Mt Timpanogos 0% Dual Pricing Processing by Utah EZ Pay so good? Getting double support. Not only from NAB on the 1-877 corporate level, but also yours truly on the local level. Greg G Kapitan. You can call or text me at: 801-205-1955 anytime. Put my number in your phone, you will be glad you did!

North American Bancard Staff

    Dual Pricing Utah

    Greg & Michelle Leaving Miami FL

    Dual Pricing Is Coming To Utah

    This is a true story of how Dual Pricing fees for merchant services, (credit card processing) is coming to Utah.

    My wife Michelle and I were planning a drive from our home in East Murray Utah to Miami Florida . This was a road trip allowing us to visit friends and family along the way. We had booked our first cruise with our friends from Heber City, Utah. They were flying and going to meet us at the ship in Miami Florida.

    It was early evening on Tuesday February 21st when my wife Michelle said we needed to be hitting the road for our drive to Miami before the big snowstorm hits. Well, I, Greg, waited a bit too long so we ended up driving through the snow storm off and on clear until we were south of Moab Utah around the 4 corners region. I realized, I should have listened to my wife as we could of avoided driving through the stressful winter snowstorm.

    Driving in the Utah snowstorm
    Driving through snow covered roads at night from Salt Lake City Utah southbound to warmer weather.

    Driving All Night To get Ahead Of The Storm

    Knowing that the storm was large and stretching more and more across the country, we decided to continue driving all through the night. Then we arrived into the warmer region of the Texas Panhandle. This is where we finally decided to stop to have some brunch and rest the following day. We finally hit a very nice temperature of 72 degrees! It was also time to change into appropriate clothing as we headed towards Miami.

    We continued our drive all the way to the Pensacola the Florida Panhandle to visit my parent’s final resting place. This would be only the second time we had been to these sacred ground to visit my parents and the countless others resting there. I wept tears of gratitude for being so fortunate to have my mother in my life for 94 blessed years and father for 77.

    Driving To Miami & Boarding The Ship

    It was then time to continue our long journey to Miami and meet up with our dear friends Matthew and Susan on the Norwegian Cruiseliner, the Encore, at the Norwegian Cruise Line terminal. The photograph is where Michelle and I had just boarded for our first ever cruise experience at sunset. The ship departed Miami in the evening and cruised on to the Great Stirrup Cay for our first stop then continuing onto St Johns Island and Tortola. Then to the Virgin Islands and finally the Dominican Republic. We had a great time cruising with our friends and taking a bunch of photos of our experience.

    Greg & Michelle Kapitan
    Michelle & Greg Kapitan Miami evening heading to our first stop at the Great Stirrup Cay in the Bahamas

    Then, after 7 relaxing and fun-filled days, of escaping the Utah snow and cold, it was over and time for our drive back home to Utah.

    Dual Pricing Signage Everywhere

    On the drive back I really started noticing all of the posted signage of businesses choosing to pass credit card processing fees along to their customers. Posting these notices is a requirement in order to be compliant with the card brands. The image with the caption “Notice at the bottom of the menu, Prices listed and advertised reflect cash discount”. This was printed on the bottom of a menu at a waterfront restaurant in Northwest Florida. They are required to make the customer aware that the price listed is the price listed is cash discount pricing. The card price would be an additional 4% higher which, by the way, will cover all of the card processing fees.

    Notice at the bottom of the menu, "Prices listed and advertised reflect cash discount"
    Notice at the bottom of the menu, “Prices listed and advertised reflect cash discount”

    More Dual Pricing Signage

    Later, when we stopped at a convenience store for gas, washer fluid and facilities, I noticed yet another business who was notifying they would be charging a 3.5% fee for customers using a card to pay for their purchases. Notice the dual pricing revealed in the the image with the caption reading “Dual pricing notice of fees by a business in Florida which was posted on the countertop of this business.

    Offsetting Fees – Dual Pricing Signage

    This is what many businesses all across the USA are doing to offset their card processing fees. They are passing the fees onto the customer using cards to pay with. This should have considered and implemented from the get-go, however it is only now happening and quickly becoming the norm.

    Cash discount store dual pricing a 3.5% fee
    Dual pricing notice of fees by a business in Florida

    The next day we stopped for a meal after driving all day to make an appointment with one of my clients. I noticed yet another customer pricing notice on the door of the restaurant stating “Non-cash pricing will see an increase at the Point Of sale”.

    The cash discounting model and/or dual pricing as it is often called, is popping up in business all across the USA. Business owners are finally stepping up and passing the cost onto the consumer. But why didn’t businesses implement this many years ago? If one thinks about it, when the cost of their lease goes up or the price of their products, so does their prices. When the cost of labor goes up, business owners raise their prices. And so on Makes one wonder why was the credit card fees were missed.

    Dual Pricing On Door Of Business No Rate Specified
    Point Of Sale dual pricing notice. Cash discount savings.

    I think the reason business owners were reluctant to do so was the lack of support from the Merchant Service (credit card processing) provider. The business owner would receive his monthly bill from the provider at the end of the month and just pay it, that was it. Now with the new technology available with the terminals, business owners have a viable option for dual pricing and a much smoother transition.

    Smart Dual Pricing Terminals Automatically Adds The 4% Card Processing Fees

    See the image, Smart Terminal Adding In The 4% Dual Pricing Processing Fees.

    Smart terminal dual pricing 4% card processing fee
    Image of a smart terminal in dual pricing mode we will set your business up with. Note the 4% fees added for paying with a card.

    Utah EZ Pay will help get your new account set up the correct way with a smart terminal that will automatically calculate the 4% card fees for card paying purchases. If you look at the image, the Smart Terminal has added the 4% in fees to the purchase. You will see a transaction posted for $250 + the 4% = $260 which is what the customer will pay for processing a non-cash transaction.

    We can set business owners up with the Edge 0% dual pricing program which will offset 90% plus of their card processing fees! Your cash paying customers will love getting a discount for the paying with cash option. With this, both the customer and merchant get to win!

    i.e. If a business is charged $1,750 per month in fees, they will save $21,000 per year! This is $105,000 every 5 years! Visit to learn how this can work for the financial benefit of your business.

    Question, so when was the last time you decided not to do business with a small business because they were charging extra for your paying with a card? I’d venture to say the answer is never, this is true fo me as well.

    Utah State Tax Commission With Dual Pricing Fees

    I recently came across this. The Utah State Tax Commission is also using a dual pricing model as can be seen in the image. They have been charging this fee for some time to Utahans to offset their fees. So, why not you?

    Utah State Tax Commission Dual Pricing Charging A 3% Fee
    Utah State Tax Commission adding fees for paying with a card. Another example for dual pricing to offset fees.

    Get Your Utah (or the USA) Business To Save 90% Plus In Processing Fees

    Call or text your merchant service advocate, Greg G Kapitan at 801-205-1955 with Utah EZ Pay today to get your business set up to save 90% plus off your card processing fees. Utah and business across the United States can start saving by using an Edge 0% Dual Pricing Card Processing model. Call or text me today!