Credit card processing fees are one of the largest uncontrolled line items most small businesses carry. Bypass is a dual pricing program that legally moves most of that cost off your books and onto card-paying customers, without breaking any state regulations and without scaring off business.
Dual pricing vs surcharging — they are not the same
These terms get used interchangeably, and they shouldn't be. Surcharging adds a fee on top of the listed price when a customer pays with a credit card. Surcharging is restricted or outright illegal in several states, has card-brand caps, and triggers compliance disclosure requirements that are easy to get wrong.
Dual pricing is different. With dual pricing, you display two prices — one for cash and one for card — and the customer chooses. It is legal in every state when the signage and receipts are configured correctly, and it does not run into the same card-brand restrictions as surcharging.
What Velora handles when you switch to Bypass
Bypass is the platform that powers compliant dual pricing at the terminal. Velora handles the full setup: signage that meets state and card-brand requirements, terminal programming so both prices show correctly on the customer-facing screen, receipt formatting, and staff training so nobody at the counter has to explain it twice.
We also stay on top of state-specific rules across Idaho, Alaska, Washington, Oregon, and Montana, so you never have to wonder whether you're configured correctly.
What the savings look like
Take a business processing $50,000 per month in card volume at an effective rate of around 3%. That's $1,500 per month going to processing fees, $18,000 per year. After switching to Bypass dual pricing, the vast majority of that cost moves off the business and onto the customer who chooses to pay by card. The cash-paying customer sees the lower price they were already going to pay. Most owners recover that $1,500 a month almost in full.
If you want a free rate analysis with Bypass numbers projected against your real volume, reach out at velorapayments.com/contact.
Frequently asked questions
- Is Bypass dual pricing legal in Idaho, Alaska, Washington, Oregon, and Montana?
- Yes. Dual pricing is legal in every U.S. state when the signage and receipts are configured correctly. Velora handles the compliant setup so the program holds up to scrutiny.
- What's the difference between dual pricing and surcharging?
- Surcharging adds a fee on top of the listed price for credit cards and is restricted in some states. Dual pricing displays separate cash and card prices upfront, which is legal everywhere and avoids most card-brand restrictions.
- How much can a business save with Bypass?
- A business processing $50,000 per month at a 3% effective rate saves roughly $1,500 per month, or $18,000 per year, after moving to Bypass dual pricing.
See what your statement looks like through processor-agnostic eyes.
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