Enterprise Dual Pricing &
Cash Discount Migration
Our core mission: Address all concerns and logical challenges around migrating enterprises to dual pricing and cash discount programs.
With nearly twenty years of financial services expertise, Pilothouse delivers comprehensive solutions for POS, Gateway, ACH, EFT, and Card Processing optimization. We eliminate unnecessary fee overhead, implement Same-Day/Next-Day Funding, and ensure ironclad compliance—generating high confidence through proven experience and vendor-agnostic guidance.
Enterprise Concerns We Address
Twenty years of experience solving the real-world challenges enterprises face when migrating to dual pricing and cash discount programs.
Customer Perception & Pushback
Concern: "Will customers react negatively to seeing dual prices or surcharges?"
Our Solution: Strategic messaging templates, signage design, and staff training protocols that frame dual pricing as a customer choice, not a penalty.
Regulatory Compliance Complexity
Concern: "How do we navigate Visa/Mastercard/Amex rules and state-specific regulations?"
Our Solution: Complete compliance roadmap covering all card networks, state laws, and disclosure requirements for retail, ecommerce, and recurring billing.
Technical Integration Risks
Concern: "Will migration disrupt operations or require expensive system overhauls?"
Our Solution: Zero-downtime implementation roadmaps with phased rollouts, API integration testing, and hardware compatibility assessments.
ROI Uncertainty
Concern: "How much will we actually save, and is it worth the effort?"
Our Solution: Data-driven feasibility studies analyzing 12-24 months of processing statements to project exact savings and break-even timelines.
Vendor Lock-In Fears
Concern: "Will we be trapped with a single processor or gateway?"
Our Solution: Vendor-agnostic advisory ensuring you maintain flexibility and negotiating power across all major processors and gateways.
Ongoing Management Burden
Concern: "Who will manage compliance updates and program optimization?"
Our Solution: Turnkey implementation with ongoing monitoring, compliance updates, and optimization recommendations to maximize long-term savings.
Core Advisory & Technical Deliverables
Comprehensive expertise across POS systems, payment gateways, ACH/EFT processing, and credit card (Visa, Mastercard, Discover, Amex) optimization. Our primary focus: dual pricing strategies that can reduce your effective processing rate to near zero.
Vendor & Platform Agnostic
With 20 years of experience, our advisory remains strictly agnostic. We are not tethered to any specific gateway, POS system, or credit card processor. Our loyalty is solely to the client's efficiency and bottom line.
Payment Tech Stack Audit
A deep-dive architectural review of your existing gateways (e.g., Authorize.net, NMI), processors, and merchant accounts to identify latency and single points of failure.
Fee Elimination Feasibility Study
We analyze 12–24 months of processing statements to determine if your business model supports a Dual Pricing or Cash Discount transition, potentially reducing your effective processing rate to near zero.
Competitive Price Comparisons
Leveraging our database of enterprise-level interchange-plus contracts, we provide a side-by-side benchmarking of your current "all-in" costs against the 2026 market leaders.
Monthly Recurring Billing (MRB) Optimization
Evaluation of subscription logic, dunning management (automated retry of failed payments), and Level II/III data capture for B2B recurring transactions to lower interchange costs.
Implementation Roadmap
A phased project plan for tech migration, API integration, and hardware deployment, ensuring zero downtime during the "switch" between processors.
Compliance, Disclosures & Signage
Navigating the 2026 regulatory landscape for surcharging and dual pricing requires precision. Pilothouse provides the following templates and formatting requirements:
| Channel | Requirement | Deliverables |
|---|---|---|
| Card Present (Retail) | Physical Disclosure | High-visibility entry/POS signage templates; customer-facing terminal display logic. |
| Ecommerce (Checkout) | Digital Disclosure | JavaScript/CSS snippets for checkout page "Notice of Fee" overlays and interactive price toggles. |
| Receipts (All) | Line Item Clarity | Formatting for digital and paper receipts ensuring "Discount" vs. "Non-Cash Adjustment" is clearly labeled per network rules. |
| Recurring Billing | Consent Logic | Opt-in disclosure language for automated billing and "Notice of Change" templates for fee adjustments. |
20 Years of Experience
Decades of payments industry expertise ensuring best-in-class advisory and implementation guidance.
Zero Downtime Transitions
Phased implementation roadmaps ensure seamless migration between processors without business interruption.
Near-Zero Processing Rates
Fee elimination feasibility studies can potentially reduce your effective processing rate to near zero through dual pricing strategies.