Payments that cost less
Interchange Plus Pricing . Simple Pricing, Maximum Savings
Built on transparency.
We believe in clear pricing, honest communication, and doing business the right way.
PayRight Systems’ Dual Pricing program is designed to create a transparent, compliant, and customer-friendly payment experience—while significantly reducing your processing costs.
With Dual Pricing, customers see two clearly displayed totals before clicking “Pay Now”:
Total with Card – includes the card processing cost
Total with Cash/ACH – excludes processing costs
Your customer chooses the payment method that works best for them. Nothing is hidden, and nothing is added after the fact.
PayRight’s Dual Pricing solution is fully compliant with Visa, Mastercard, Discover, and American Express, and aligned with current card-brand rules and applicable legislation.
Dual Pricing
What Dual Pricing Does
✔ Provides full transparency by clearly displaying pricing options
✔ Gives customers control over how they pay
✔ Encourages lower-cost payment methods like ACH and cash
✔ Reduces your overall credit card processing expenses
What Dual Pricing Does Not Do
✘ Add surprise or last-minute fees at checkout
✘ Inflate credit card pricing beyond actual processing costs
✘ Create confusion or friction in the checkout experience
PayRight Systems’ Surcharging program allows businesses to recover a portion of their credit card processing costs by applying a clearly disclosed fee to credit card transactions only.
Surcharging is a regulated pricing model that helps offset rising payment costs while maintaining transparency and compliance. With PayRight, all surcharge rules, caps, disclosures, and receipt requirements are handled correctly—so you stay protected.
Important: Surcharges apply only to credit cards. Debit cards and ACH payments are never surcharged.
Surcharging
What Surcharging Does
✔ Offsets a portion of your credit card processing expenses
✔ Clearly discloses the surcharge before payment is completed
✔ Keeps pricing transparent and compliant
✔ Preserves your base pricing structure
What Surcharging Does Not Do
✘ Apply fees to debit cards or ACH payments
✘ Exceed card-brand–allowed surcharge limits
✘ Add undisclosed or last-minute fees
✘ Violate Visa, Mastercard, Discover, or American Express rules
Get paid sooner.
Free next-business-day deposits on all debit and credit card transactions.