Credit Card Processing Fees for Restaurants

• Dual Pricing ProgramPost a cash price and a slightly higher card price at the register and on the menu, so card acceptance costs can be offset by the customer who chooses to pay by card — set up and disclosed to comply with card network rules.
• Tableside PaymentsClose out a table, split a check, and collect a tip from a handheld terminal — no walking the card back to a register.
• Tab & Bar ManagementOpen a tab on a card, run authorizations, and settle the final total when the guest is ready to leave.
• Online Ordering PaymentsAccept pickup and delivery orders through your website with the same account, same dual-pricing display logic, and same next-day funding.
• Tip ManagementTips route automatically with the transaction — no manual tip pooling spreadsheets or end-of-night reconciliation.

Dual pricing (sometimes called cash discounting) is a card-network-permitted program where a business posts a cash price and a card price, and card-paying customers pay the card price. It is distinct from straight surcharging, has its own signage and disclosure requirements, and rules vary by card brand and state — MidPay configures the program to match current network requirements. See our breakdown of dual pricing vs. straight surcharging for the mechanics.