Pass Processing Fees Legally | Surcharge, Dual Pricing & Cash Discount Explained

Surcharge / Cash Discount / Dual Pricing programs are some of the biggest opportunities in payments right now—but they're also some of the most misunderstood. In Part 1 of this Sales Trenches crash course, Ryan Dosen from Host Merchant Services breaks down the differences between surcharging, dual pricing, and cash discounting, explain when each model applies, and cover the compliance rules every payment professional needs to know before pitching these programs to merchants. If you've ever been asked: "Can I pass my processing fees to my customers?" "Is surcharging legal in my state?" "What's the difference between dual pricing and cash discount?" "What disclosures and signage are required?" This training is for you. ✅ What You'll Learn: The differences between surcharge, dual pricing, and cash discount programs Which card transactions can and cannot be surcharged The 30-day registration requirement and card brand rules Current surcharge caps and compliance requirements Signage and receipt disclosure requirements Why state laws and card network rules matter How to avoid common compliance mistakes that can create problems for merchants How to confidently discuss these programs with prospects and clients Whether you're a new agent learning the fundamentals or an experienced professional looking to sharpen your understanding, this session provides the foundation you'll need before moving into setup, implementation, and sales strategy. This is Part 1 of a multi-part series on surcharge and fee-recovery programs. 📌 Learn More About Host Merchant Services 🌐 https://www.hostmerchantservices.com 🤝 Become an HMS Partner Agent https://hostmerchantservices.com/inde... 🔥 About Sales Trenches Live Sales Trenches Live is Host Merchant Services' weekly training series for payment professionals, ISOs, agents, and sales partners. Each session is designed to help agents win more deals, understand payment technology, and grow their portfolios through real-world sales strategies and merchant-focused solutions. #MerchantServices #Surcharge #DualPricing #CashDiscount #PaymentProcessing #CreditCardProcessing #SalesTrenches #HostMerchantServices #ISOAgent #PaymentSales #MerchantServicesAgent #PaymentIndustry #CreditCardSurcharge #DualPricingProgram #CashDiscountProgram