--- title: Boost Profits with Compliant Surcharging & Dual Pricing description: CNP payments tend to be undersold by independent agents – until they find out the impact surcharging and dual pricing can have on their portfolios. image: https://blog.payroc.com/hubfs/blog/card-not-present-blog.jpg --- [Skip to Content](https://blog.payroc.com/how-compliant-surcharging-and-dual-pricing-can-boost-your-portfolio#main-content) ![USA - Current Region](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) US - [![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States](https://payroc.com/) - [![Canada flag](https://payroc.com/wp-content/themes/payroc/assets/ca-flag.svg) Canada](https://payroc.com/en_ca/) [EN](https://payroc.com/en_ca/?utm_content=language-button) [FR](https://payroc.com/fr/?utm_content=language-button) - [![United Kingdom flag](https://payroc.com/wp-content/themes/payroc/assets/uk-flag.svg) United Kingdom](https://uk.payroc.com/) - [![Puerto Rico flag](https://payroc.com/wp-content/themes/payroc/assets/pr-flag.svg) Puerto Rico](https://dynamicspayments.com/) Partner‑Driven. People‑Powered. Global‑Simplified. [![Payroc - Homepage](https://blog.payroc.com/hs-fs/hubfs/payroc-logo-black.png?width=77&height=59&name=payroc-logo-black.png "Payroc - Homepage")](https://payroc.com/) Search - Sign in Back Gateways [Payroc Gateway](https://payments.payroc.com/merchant/selfcare/) [IBX](https://gateway.ibxpays.com/vt/login.aspx) [Worldnet](https://payments.worldnettps.com/merchant/selfcare/) [Caledon](https://dashboard.caledoncard.com) [iTransact for Agents](https://gateway.itransact.com/h/cp/user_sessions/landing) [iTransact for Merchants](https://gateway.itransact.com/h/cp/user_sessions/landing) [Third-party Gateways](https://payroc.com/third-party-gateways/) Systems [Payroc Insights](https://payroc.partnerengage.com/Account/Login) [Roc Services](https://services.rocpos.com/) [Roc Terminal+](https://terminalplus.rocpos.com/) [Sales Portal](https://sales.payroc.com/Login.aspx) [MSPWare](https://nxgen.mspware.com/Beta#/Login) [Third-party Systems](https://payroc.com/third-party-systems/) - [Contact us](https://payroc.com/contacts/) Menu - Platform Back Move Money [Payment Processing Power every payment journey](https://payroc.com/payment-processing-services/) [Omnicommerce Gateway Process securely, everywhere](https://payroc.com/solutions/gateway/) [Payment Devices Find the right terminal](https://payroc.com/solutions/payment-devices/) [Pricing Programs Cut processing costs](https://payroc.com/payment-processing-options/) [Global Payment Orchestration Optimize payments wherever you sell](https://payroc.com/solutions/payment-orchestration/) Run the Business [Payroc Capital Access fast, flexible funding](https://payroc.com/merchant-financing-solutions/) [Invoicing & Billing Simplify billing and accelerate cash flow](https://payroc.com/invoicing-and-billing/) [Point-of-Sale Systems Find the right POS solution](https://payroc.com/point-of-sale-systems/) [Giving & Donations Accept donations, run campaigns](https://payroc.com/donations-and-giving/) [Data & Analytics Access and understand payment data](https://payroc.com/payment-analytics/) Integrate & Build [Integrated Payments Get more from embedded payments](https://payroc.com/integrated-payments/) [Integration Essentials Add payments fast with prebuilt tools](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) [Payroc Cloud Integrate POS devices via the cloud](https://payroc.com/solutions/cloud/) [Full Stack Choose tools to build your way](https://docs.payroc.com/solutions#full-stack) [Developer Experience Simplify your integration path](https://payroc.com/solutions/developer-experience/) [Direct ERP Integrations Connect payments to ERP systems](https://www.bluesnap.com/partners/?_partner_category=erp-crm) - Who We Serve Back Partner With Us [Software Providers Upgrade your payments partnership](https://payroc.com/industries/saas-vendors/) [ISOs & Agents Help merchants grow while earning more](https://payroc.com/industries/sales-partners-agent/) [Financial Institutions Drive commercial growth with merchant services](https://payroc.com/industries/financial-institutions/) [Referral Partners Earn residual income from referrals](https://payroc.com/industries/referral-partners/) Process With Us [Small & Midsize Businesses Accept payments, manage business easily](https://payroc.com/industries/merchants/) [Enterprise Streamline complexity, optimize profits](https://payroc.com/enterprise-payments/) Build With Us [Developer Experience Simplify your integration path](https://payroc.com/solutions/developer-experience/) - Who We Are Back [About Us Get to know Payroc](https://payroc.com/about-us/) [Events Connect with us on the road](https://payroc.com/events/) [Careers Join our award-winning team](https://payroc.com/about-us/careers/) [Our Community See our community involvement](https://payroc.com/about-us/our-community/) [Our Team Get to know our leadership](https://payroc.com/about-us/our-team/) - Resources Back Learn [Blog & Insights Read industry insights](https://blog.payroc.com/) [Case Studies See how businesses grow with us](https://payroc.com/case-studies/) [Product Updates Stay up to date on launches](https://payroc.com/product-updates/) [Feature Log Explore product enhancements](https://payroc.com/feature-log/) [News & Press Explore news and announcements](https://payroc.com/about-us/awards-and-press/) Support [Support Center Get answers to your questions](https://support.payroc.com/) [Security & Compliance Explore and access trust resources](https://payroc.com/security-and-compliance/) - Developers Back [Developer Portal Access sandbox and API keys](https://developers.payroc.com/) [Payroc.ai Get helpful resources for developers](https://payroc.ai/) [Developer Docs Explore guides and AI skills](https://docs.payroc.com/) [Back to Blog](https://blog.payroc.com) # How Compliant Surcharging and Dual Pricing Can Boost Your Portfolio Posted on Nov 4, 2023 By [John Burns](https://blog.payroc.com/author/john-burns) - [**Retail**](https://blog.payroc.com/tag/retail) - [**Sales Playbook**](https://blog.payroc.com/tag/sales-playbook) - [**ISO/Agent**](https://blog.payroc.com/tag/iso-agent) ![How Compliant Surcharging and Dual Pricing Can Boost Your Portfolio](https://blog.payroc.com/hubfs/blog/card-not-present-blog.jpg) Share this: - - - The card not present (CNP) payments market is full of opportunity for independent agents. For example, the simple introduction of a refreshed, easy to use interface is going to be exciting for merchants who are looking for ways to deliver faster, more convenient payments to their customers. Adding pricing programs that benefit merchants, agents, and processors to the mix increases the opportunities for independent agents to build their portfolios.  A great place to start is with two impactful pricing models: surcharging and dual pricing. ## Surcharging Surcharging allows merchants to give their customers a choice of which card to use. Customers can use their credit cards and pay a portion of the processing fee, or they can use their debit cards and pay nothing additional.  By passing along a portion of the processing fee on credit cards, merchants can increase their profit margin, which is especially attractive for big-ticket items. Surcharging is popular amongst all business verticals, including B2B and B2C merchants.  ### Payroc RewardPay Payroc’s RewardPay program is a compliant surcharging solution which offers list debit pricing to customers and a surcharged credit price, which typically helps reduce their cost of card acceptance by 50% to 70% compared to traditional flat rate or interchange plus pricing plans.   RewardPay can also be viewed as a "fair" solution by surcharging high-cost credit cards, while offering customers a no-fee debit option since accepting debit cards is less expensive for merchants.  Ultimately, the best pricing model for merchants depends on a number of factors. ## Dual Pricing Dual pricing allows merchants to offer two prices to customers: a standard card price, as well as a discounted price for paying cash or check – with the latter being prevalent in CNP environments.   For accounts’ receivables, it can be a fantastic solution as merchants may send email invoices and/or accept checks. Typically, check payments take much longer to reconcile than a card payment, which can be settled same day.   Offering merchants a solution that accepts checks alongside cards in a CNP environment through a virtual terminal or hosted payments page can transform their business and increase client loyalty.  Payroc’s dual pricing solution does just that. ### Payroc ConsumerChoice Payroc’s ConsumerChoice product is a dual pricing solution that gives customers the “choice” of a standard payment with their card or earning a discount by paying a form of cash. Both prices are displayed side by side on the payment device in card present environments.   In CNP environments, such as email invoices, customers “click to pay” and choose to pay by card or ACH with prices for each. Payroc leverages PaybyACH electronic check processing platform integrated into Payroc gateway ecosystem, which can allow for a margin compared to cash payments.   Payroc also offers a few options to merchants depending on transaction size and reconciliation timing needs. Our PaybyACH solution allows merchants to choose which ACH solution is best for their business. This is especially beneficial for merchants with high-volume cash payments that need to be funded within a few days.   In addition, merchants using Payroc’s ConsumerChoice solution receive statements that consolidate card and cash payments. They can track customer behaviors and trends to deliver the right payment options for their customer base.   While dual pricing is a useful model for some merchants, many will opt for a surcharging solution such as RewardPay.  ## Determining the Best Pricing Model for Merchants To help merchants choose the right solution, agents should engage in conversations about the merchant’s business and conduct a full statement analysis to reveal where merchants can achieve the most value.   In addition to surcharge programs, Payroc also has standard pricing plans along with solutions that automatically populate Level 2 and Level 3 data, providing savings to merchants and increasing the value of merchant services.  Determining the best solution is also a function of how sophisticated a merchant’s needs are, their transaction count, what they sell, how they sell their products or services, and what kind of cards they typically accept.   For more information on Payroc’s ConsumerChoice and RewardPay programs, please visit our [solutions page.](https://www.payroc.com/solutions/payroc-choice) ## Get started with Payroc No matter where you are in your payments journey—whether you're a merchant, agent, referral partner, or software developer—we're here to help. [Contact us](https://payroc.com/contacts/) Platform Move Money - [Payment Processing](https://payroc.com/payment-processing-services/) - [Omnicommerce Gateway](https://payroc.com/solutions/gateway/) - [Payment Devices](https://payroc.com/solutions/payment-devices/) - [Pricing Programs](https://payroc.com/payment-processing-options/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) Run the Business - [Payroc Capital](https://payroc.com/merchant-financing-solutions/) - [Invoicing & Billing](https://payroc.com/invoicing-and-billing/) - [Point-of-Sale Systems](https://payroc.com/point-of-sale-systems/) - [Giving & Donations](https://payroc.com/donations-and-giving/) - [Data & Analytics](https://payroc.com/payment-analytics/) Integrate & Build - [Integrated Payments](https://payroc.com/integrated-payments/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Full Stack](https://docs.payroc.com/solutions#full-stack) - [Developer Experience](https://payroc.com/solutions/developer-experience/) - [Direct ERP Integrations](https://www.bluesnap.com/partners/?_partner_category=erp-crm) Who We Serve Partner With Us - [Software Providers](https://payroc.com/industries/saas-vendors/) - [ISOs & Agents](https://payroc.com/industries/sales-partners-agent/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) - [Referral Partners](https://payroc.com/industries/referral-partners/) Process With Us - [Small & Midsize Businesses](https://payroc.com/industries/merchants/) - [Enterprise](https://payroc.com/enterprise-payments/) Build With Us - [Developer Experience](https://payroc.com/solutions/developer-experience/) Developers - [Developer Portal](https://developers.payroc.com/) - [Payroc.ai](https://payroc.ai/) - [Developer Docs](https://docs.payroc.com/) Who We Are - [About Us](https://payroc.com/about-us/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about-us/careers/) - [Our Community](https://payroc.com/about-us/our-community/) - [Our Team](https://payroc.com/about-us/our-team/) Resources Learn - [Blog & Insights](https://blog.payroc.com/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [News & Press](https://payroc.com/about-us/awards-and-press/) Support - [Support Center](https://support.payroc.com/) - [Security & Compliance](https://payroc.com/security-and-compliance/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - - - - [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "John Burns", "url" : "https://blog.payroc.com/author/john-burns" }, "dateModified" : "2025-08-01T20:33:32.689Z", "datePublished" : "2023-11-04T20:26:51.000Z", "headline" : "Boost Profits with Compliant Surcharging & Dual Pricing", "image" : [ "https://blog.payroc.com/hubfs/blog/card-not-present-blog.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.payroc.com/how-compliant-surcharging-and-dual-pricing-can-boost-your-portfolio", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.payroc.com/hubfs/payroc-logo-navy-1.png" }, "name" : "Payroc" } } ```