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Real answers to the questions merchants ask us most. No fluff, no runaround.
FeeSlicers is a merchant services company specializing in dual pricing and surcharge programs that eliminate or significantly reduce credit card processing fees. We're not a large processor or a call center — we're two payments industry veterans who help businesses understand their options and get set up correctly.
Yes. Dual pricing and surcharging are explicitly permitted under federal law, Visa and Mastercard rules, and the laws of all 50 states when implemented correctly. We've been in the payments industry for decades and we wouldn't stake our reputation on anything less.
Most processors don't specialize in these programs, and frankly, a merchant paying full processing fees every month is a merchant generating margin for them. We exist specifically to help you stop doing that. Our revenue comes from the processing relationship, which means we only do well when you're saving money and happy with the service.
Yes. No cost, no obligation. We look at your volume and business type, calculate your actual savings, and tell you honestly whether one of these programs is a good fit. If it's not, we'll tell you that too.
Dual pricing shows two prices upfront — a cash price and a card price. Customers choose before they pay. Surcharging keeps one posted price and adds a fee at checkout when a customer pays by credit card. Both eliminate your processing costs but work differently depending on your business type.
It depends on your business type, customer base, and POS setup. Dual pricing is the most flexible and works in all environments. Surcharging works well for invoice-based businesses and professional services. Our free analysis helps figure out which fits your specific situation.
A cash discount program posts the card price as the standard price and offers a discount to customers who pay with cash. It achieves a similar result to dual pricing but with different framing. It works well in high-volume, fast-transaction environments like convenience stores.
Dual pricing, yes. Surcharging — absolutely not. Federal law under the Durbin Amendment prohibits surcharging debit card transactions. Violations can result in immediate merchant account termination. Every terminal we configure automatically detects card type and applies the correct pricing.
Surcharges are capped at 3% regardless of your actual processing cost. If your effective rate is higher than 3%, you absorb the difference. Dual pricing has no such cap, though keeping the spread at 3–4% is standard practice.
Yes — dual pricing is legal in all 50 states with no exceptions. Because it's structured as a cash discount rather than a card penalty, it falls under federal discount protections and bypasses any state-level surcharge restrictions.
In most states yes. A handful of states have historically restricted surcharging, though court rulings have weakened many of those restrictions. California and New York permit surcharging with additional disclosure requirements. If your state has any specific rules, we'll cover them during your analysis.
For surcharging, yes, you must provide written 30-day notice to your processor before going live. We handle this as part of your onboarding. For dual pricing, no registration or notice is required.
Both programs require clear disclosure before the customer pays. For surcharging, Visa and Mastercard require signage at the entrance and point of sale in at least 14-point font. For dual pricing, both prices must be clearly visible before checkout. We provide signage as part of your setup.
The consequences range from fines to merchant account termination depending on the violation and card network. The most common and serious violation is surcharging debit cards. That's why proper terminal configuration matters — and why we don't cut corners on setup.
In most cases yes, your terminal needs to support dual pricing display or automatic card type detection for surcharging. We'll assess your current setup during the analysis and tell you exactly what's needed. Many merchants are surprised by how straightforward the equipment transition is.
Most merchants are live within 3–5 business days after the merchant agreement is signed.
Minimal training is needed. For dual pricing, staff select the payment method at checkout and the terminal handles the rest. For surcharging, the fee is applied automatically. We provide simple staff guidance as part of onboarding.
We work with a wide range of systems. During your analysis we'll confirm compatibility with your current setup and flag anything that needs attention.
Clear upfront disclosure is your best protection — and proper signage makes disputes rare. If a dispute does arise, your receipt serves as documentation that the pricing was disclosed before payment. We set everything up so you're covered.
We work with PayArc, a technology-driven payments platform that supports dual pricing and surcharge programs. PayArc handles the merchant account, processing infrastructure, and funding.
Yes. PayArc offers an electronic merchant agreement you can complete entirely online, no printing, no scanning, no waiting for paperwork.
We'll cover contract terms during your analysis. Our goal is merchants who stay because the program works, not because they're locked in.
We earn a residual through the processing relationship. There's no cost to you for the analysis or setup consultation. Our incentive is to set you up correctly and keep you happy — that's what keeps the relationship working for both of us.
That's what George is for. Reach out and you'll get a straight answer from someone who actually knows this industry.
Or call George directly: (574) 238-1397