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Is it Permissible to Offer Dual Pricing?

Absolutely, across all states! The Durbin Amendment, part of the Dodd-Frank Act, plus card network regulations, support discounts for cash payments:

  • Payment networks can't stop merchants from offering cash, check, or card discounts, as long as it's fair and transparent.
  • Visa's rules allow merchants to encourage alternative payments to Visa cards by offering cash discounts.
  • Mastercard's guidelines state merchants can't charge extra for card use but can discount for cash payments.
  • Discover allows point-of-sale discounts for different payment methods without discrimination by issuer or network.
  • American Express permits cash payment discounts off regular prices.