Pricing Options & Payment Programs
Windy City Payments offers flexible, compliant pricing programs so you can choose how payment costs are handled—based on what works best for your business and your customers.
POS System Packages
Interchange Plus Pricing (Traditional Pricing)
Interchange Plus is a transparent, non-cash-discount pricing model where your business pays the actual interchange costs set by the card brands, plus a clearly disclosed processor markup.
Best for businesses that prefer traditional pricing with no surcharges or price adjustments.
Key Benefits:
- Transparent and industry-standard pricing
- No dual pricing or cash discounting
- Ideal for restaurants, retail, and service businesses
- Competitive processor margins
- Fully Visa & Mastercard compliant
You pay:
Interchange (Visa / Mastercard / Amex) + fixed markup
Credit Card Surcharge Program (Up to 3%)
he Credit Card Surcharge program allows businesses to apply a surcharge of up to 3% on Visa and Mastercard credit card transactions only, helping offset processing costs while remaining compliant.
Debit and prepaid cards are never surcharged, even when run as credit.
Program Highlights:
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Up to 3% surcharge on eligible credit card transactions
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Fully compliant with Visa & Mastercard surcharge rules
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Automatic debit card detection
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Required signage and receipt disclosures
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Registration with Visa & Mastercard handled for you
Surcharge is capped at the lower of 3% or your actual processing cost.
Dual Pricing / Cash Discount Program
Dual Pricing (also known as Cash Discount) allows businesses to display two prices:
- A lower cash price
- A higher credit card price
Best for businesses focused on reducing or eliminating credit card processing expenses.
Key Benefits:
- Clear cash vs credit pricing
- Helps offset most or all processing costs
- Fully compliant when implemented correctly
- POS automatically applies correct pricing
- Works for restaurants, retail, and service businesses
Important Notes:
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Prices must be clearly displayed before purchase
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Cash discount must be framed as a discount, not a fee
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Debit cards are processed at the cash price
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POS setup and compliance handled by Windy City Payments
Compare Your Pricing Options
| Pricing Model | Best For | Customer Experience |
|---|---|---|
| Interchange Plus | Traditional pricing | No price difference |
| Credit Card Surcharge | Offset card fees | Credit cards only |
| Dual Pricing / Cash Discount | Reduce processing costs | Cash vs credit pricing |
Why choose Windy City Payments?
- Local, family-owned business
- POS + payments under one roof
- Transparent pricing options
- Full setup, training & compliance support
- No long-term contracts
Get a Free Pricing Review
Not sure which pricing option is right for your business?
Contact Windy City Payments for a free pricing and POS consultation—no pressure, just real numbers and honest guidance.
Call or text: (630) 418-6276
Email: support@windycitypayments.com