Eliminate Your Credit Card Processing Fees
Magnify Payments offers three compliant programs, each proven to greatly reduce or virtually eliminate your processing fees allowing you to keep more of every sale.
Real Businesses. Real Savings. Real Results.
"SlashPay saved us over $2,500 a month."
“Switching to Dual Pricing wiped out our credit card fees—over $30,000 a year in savings. We used that money to upgrade our shop and hire another tech. Customers didn’t mind the dual pricing, and the transition was smooth. Honestly, I wish we’d done it sooner.”
Mike R., Owner, Ridgeview Auto & Tire
"This let me keep my prices steady for the regulars."
“I’ve run this diner for 27 years, and I’ve always tried to keep my prices fair—especially for our regulars. But card fees were getting out of hand. Magnify's Dual Pricing SlashPay gave me a way to cover those costs without raising prices across the board."
Carol M., Owner, Carol's Corner Diner
"SlashPay puts more money in my firm, not the processor."
"We eliminated nearly all our credit card fees with Slashypay. It's simple, compliant, and clients are fine with it."
James K., Criminal Defense At
"Perfect for notaries like me."
"I do a lot of small transactions. Card fees and what goes to the state used to eat into every job. With Dual Pricing SlashPay, I keep more of what I earn. It's been smooth from Day 1.
Denise T., Mobile Notary
Clearly Displays a Cash and Card price
Also works for POS and inventory merchants
Dual-Pricing
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Our Most Popular Program
SlashPay is Magnify Payments' signature Dual-Pricing program. Your terminal automatically displays two prices at checkout. A cash price and a card price. When customers pay by card, the processing fee is built into their price. When they pay cash, they get the lower price. You keep more of every sale.
Three Ways to Go Fee-Free
Every business is different. That is why we offer three flexible programs so you can choose the approach that fits your customers, your industry, and the way you operate
Surcharging
Simple and Transparent
Credit card Surcharging allows businesses to add a small, clearly disclosed fee to transactions paid by credt card. Unlike dual-pricing, surcharging applies only to credit cards, not debit cards, and must follow card brand rules and state regulations. Magnify Payments ensures your surcharge program is fully compliant, properly disclosed, and easy to manage.
Is Surcharging Right for Your Business?
Surcharging works best for businesses with higher average ticket sizes, B2B transactions, or in industries where customers expect and accept card fees. It is currently permitted in most US states with proper disclosure.
Cash Discount vs. Dual-Pricing: What is the Difference?
Both programs result in the same outcome. The business pays little to no processing fees. The difference is in how it is presented to the customer. Dual-pricing shows two prices side by side. A cash discount shows one standard price with a discount applied at checkout for cash payers. Our team can help you decide which approach fits your business best.
Reward Your Cash Paying Customers
True Cash Discount
A True Cash Discount program works by setting your standard prices to reflect the cost of card acceptance, then offering customers a discount when they pay with cash. It is one of the cleanest and most customer-friendly ways to offset processing costs because customers feel rewarded rather than penalized. Magnify Payments handles all the setup and compliance so you can launch quickly and confidently.
FAQ - Frequently Asked Questions
Dual-pricing is a payment program that displays two prices at the point of sale: one for customers who pay with cash and a slightly higher price for customers who pay by card. The difference between the two prices covers the cost of processing, allowing the business to offset or eliminate credit card fees entirely. Magnify Payments' SlashPay program is compliant, easy to set up, and works with most modern payment terminals.
Dual-pricing shows customers two separate prices at checkout: a cash price and a card price. Surcharging, on the other hand, shows one standard price and adds a disclosed fee at the time of payments when a customer chooses to pay by credit card. Debit cards are excluded. Both programs allow businesses to recover processing costs, but they differ in how the fee is presented to the customer. Magnify Payments can help you determine which approach is the best fit for your business type and customer base.
A true cash discount program sets your standard pricing to reflect the full cost of card acceptance, then offers customers a discount when they choose to pay with cash. Rather than adding a fee for card payments, customers feel rewarded for paying with cash. It is one of the most customer-friendly fee-elimination options available and must include proper signage and disclosure to remain complaint with card brand rules.
Yes, dual-pricing is legal across the United States when implemented correctly. Businesses must clearly display both the cash price and the card price at the point of sale before the transaction is completed. Magnify Payments' SlashPay program is built with compliance in mind, including proper terminal configuration, required disclosures, and signage to keep your business fully within card brand and legal guidelines.
Credit card surcharging is currently permitted in most US states, but a small number of states have restrictions or specific requirements around disclosure and surcharge caps. Surcharging is also only permitted on credit card transactions, not debit card transations, per card brand rules. Magnify Payments stays current on state-by-state regulations and will ensure your surcharge program is set up in full compliance with the rules in your state.
The savings depend on your monthly card Cales volume and your current processing rate, but most businesses save anywhere from hundreds to thousands of dolalrs per month. A restaurant processing $50,000 per month in card sales at a 3% rate, for example, could save around $1,500 every month or $18,000 per year. Use our free savings calculator on this page to get a personalized estimate based on your actual numbers.
Most businesses are up ad running within a few days of approval. The application process takes just minutes online, approvals typically happen within 3 to 5 business days, and once approved, Magnify Payments handles the terminal setup, configuration, and required signage. Our in-house support team is with you every step of the way so the transition is smooth for both you and your customers.
Most customers are already accustomed to seeing dual-pricing and surcharging at businesses they visit every day, from gas stations to restaurants to service providers. When the program is presented transparently with clear signage and a simple explanation, customer pushback is minimal. Many of our merchants report that customers appreciate the honesty, and those who prefer to avoid the card price simply pay with cash. The key is clear communication upfront, which Magnify payments helps you set up from day one.