Retail and B2B look different on the surface, one has a counter, the other has an inbox. But the problem is exactly the same: every card payment costs you 2.5% to 3.5%, and at your volume, that number is big enough to matter.
The solution is different depending on how your business takes payments. That's why we offer both dual pricing (for in-person retail) and surcharging (for B2B invoicing), and some businesses use both.
For retail stores — clothing boutiques, gift shops, hardware stores, sporting goods, specialty retail, dual pricing is the straightforward path. Every item in the store has a cash price and a card price. Customers see both before they buy. The terminal handles the rest.
Most shoppers don't blink. They tap their card and move on. The ones who prefer to pay cash get a small savings. And you stop giving away thousands of dollars a year in fees.
The re-tagging concern: yes, you'll need to update your price tags and signage. For most retail stores, this is a weekend project. Digital price tags or POS-printed labels make it even simpler. It's a one-time effort that starts paying for itself on day one.
B2B companies — wholesalers, distributors, professional services, manufacturers, agencies, send invoices. Often large ones. A 3% processing fee on a $10,000 invoice is $300. On a $25,000 order, $750.
Surcharging adds a clearly disclosed fee when the invoice is paid by credit card. Clients who pay by check or ACH pay the quoted amount. It's one line on the invoice, and in a B2B context, it's completely expected. Your clients have seen surcharges on invoices from other vendors. This is standard practice.
For businesses that both sell in-person and invoice B2B clients, we can set up dual pricing at the counter and surcharging on invoices. Two programs, one merchant account, both saving you money.
| Monthly Volume | Fees (2.9%) | Annual Savings |
|---|---|---|
| $25,000 | $725 | ~$8,270 |
| $50,000 | $1,450 | ~$16,530 |
| $80,000 | $2,320 | ~$26,450 |
| Monthly Volume | Fees (2.9%) | Annual Savings |
|---|---|---|
| $50,000 | $1,450 | ~$16,530 |
| $100,000 | $2,900 | ~$33,060 |
| $200,000 | $5,800 | ~$66,120 |
B2B savings are typically higher because average transaction size is larger and a higher percentage of payments come by card.
Full dual pricing on every transaction. Customers see both prices on the big touchscreen, choose their payment method, done. Handles high-volume retail without slowing down the line. Most retail stores qualify for one at no upfront cost.
Need a mobile option for the sales floor, pop-up events, or outdoor markets? The Valor VP550 is the wireless version with the same capabilities.
See If You Qualify →Key in payments, send payment links, process phone orders, all from your browser. Full surcharging support. Integrates with QuickBooks, FreshBooks, and most invoicing platforms.
For B2B companies that also ship products, our gateway integrates with WooCommerce and Magento for online orders with surcharging built in.
Learn More →In-store, absolutely, the terminal handles it automatically. Online is more nuanced. Some payment gateways support dual pricing or surcharging on e-commerce transactions. We'll evaluate your specific platform during the analysis. At minimum, your in-store transactions get the savings immediately.
And those same clients are used to early-pay discounts like 2/10 net 30. A surcharge on card payments is the same concept in reverse, paying by a method that costs you less earns a better price. Frame it that way and it clicks.
Corporate purchasing cards (P-cards) are credit cards and surcharging applies. The Valor terminals also accept WEX fleet cards natively, which is relevant for businesses that serve fleet and transportation clients.
Yes. We set up each location with its own merchant account and terminals, all under one relationship. George handles multi-location setups regularly and can coordinate the rollout.
We're a wholesale distributor doing $180K a month in card payments from our retail clients. I added one sentence to our invoices about the surcharge and set up a virtual terminal. Nobody pushed back. We recovered over $50K in our first year.
I own a boutique on Main Street. George set me up with a VL550 and dual pricing. I re-tagged everything over a weekend. Customers don't care, they come for the clothes, not the payment method.