Cash Discount vs. Surcharge for Credit Card Fees

Both programs shift processing costs off your margins — but a surcharge can only touch credit cards (debit surcharging is banned nationwide), while dual pricing covers everything. Same $30k/month business, 50% debit: surcharging recovers ~$5,400/year; dual pricing recovers ~$9,600. The 10-point comparison, the honest cases where surcharging wins, and the 5-question decision.