Card pricing
With card pricing, the prices on the Register include the card processing cost. A customer who pays cash gets that amount back as a cash discount. You keep your margin on every sale, and cash customers pay your regular price.
How it works
You enter your regular prices, which are the cash prices. Paybrain adds your markup to show the card price.
| Price | |
|---|---|
| Your price (cash) | $10.00 |
| Card price, with a 3% markup | $10.30 |
| Customer pays by card | $10.30 |
| Customer pays cash | $10.00, with a $0.30 cash discount |
At checkout the customer sees both prices and can choose. On the Register the buttons read, for example, Card · $10.30 and Cash · $10.00. On the web and in the phone app, the total shows the card price with the cash price under it, and Cash shows the cash price.
Turn it on
Card pricing is one shared setting, so every Register, reader and phone follows it.
- Go to Settings›Payments. You can also set it in the setup wizard.
- Turn on Card pricing and fill in the settings below.
- Tap Save changes.
- Go to Point of Sales›Register settings.
- Under Payments, turn on Card pricing and fill in the settings below.
- Click Save payment settings.
- Open the POS tab and tap Register settings.
- Under Card pricing, turn on Card pricing and fill in the settings below. The markup field is Card price markup (%) and the flat fee is Flat fee ($).
- Tap Save settings.
| Setting | What it does |
|---|---|
| Card price markup (% · max 4) | The percentage added to card prices. Paybrain caps it at 4%. |
| Flat fee ($) · online invoices only | A flat amount added to card payments on online invoices. It's never added at the Register. |
| Fee label on online invoices | What the fee is called on invoices, such as "Processing Fee" |
| Apply to memberships | Add the surcharge to membership dues and signup fees |
Quick sales
With card pricing on, the amount you enter in Quick sale is the cash price, and the card price is worked out from it. On the Register the field reads Cash price ($). On the web it reads Amount and in the phone app Amount ($), and you'll see what it rings at, for example Rings at $10.30 on card · $10.00 cash.
Before you turn it on
For how dual pricing differs from a surcharge, and the rules behind it, see What is dual pricing?. Rules on passing card costs to customers vary by state and by card type. Check what applies to your business, and post a clear sign at the counter that card and cash prices differ.
On online invoices the fee, your markup plus any flat fee, is added when the customer pays, so card networks treat it as a surcharge. Visa caps surcharges at 3%, and surcharges aren't allowed on debit or prepaid cards. See Can I surcharge card fees in Florida? for how the rules work.