Last updated: Sep 25, 2026, 12:36 PM
FAQ for Toast Dual Pricing.
| Toast Dual Pricing is currently available only to eligible new US customers when they sign up with Toast. It is not yet available to existing Toast customers. If you're interested, join the waitlist to stay informed as availability expands. |
Frequently asked questions about the Toast Dual Pricing product. If you are setting up Dual Pricing for the first time, start with Get Started With Toast Dual Pricing. For how the product works, see Toast Dual Pricing Overview.
Toast Dual Pricing enables restaurants to present two order totals to their guests before they make payment: a card total and a discounted cash total. By building card processing costs into listed menu prices, a restaurant can help cover these fees on card payments while also rewarding cash-paying guests with a lower price. When a guest pays by card, they pay the standard listed (card) price. If they pay by cash, an automatic 4% discount by default applies at checkout—giving them a lower cash total.
When used and disclosed properly, it's a compliant way to offset processing fees across both credit and debit cards without adding a separate fee to the check.
To help ensure you are getting the most value from the Dual Pricing product, Toast recommends that you raise your menu prices to incorporate your card processing fees—only if you have not done so already. Building the cost of card processing into your listed menu prices allows you to help cover these costs when your guests pay by card. If a guest instead chooses to pay by cash, the discounted price is automatically applied, since there are no card processing fees to offset when cash is accepted.
Without raising menu prices, the discount would come straight out of your margin, defeating the purpose of offsetting card fees.
Note: On your merchant card processing statement, Toast may include an estimate of incremental revenue you have generated using the Dual Pricing product during the applicable period based on the assumption that you increased your menu prices in accordance with this recommendation. If your location is subject to a Monthly Minimum Processing Fee, the processing statement will also indicate the dollar amount assessed if you failed to meet the minimum that month.
Toast recommends that merchants raise their listed menu prices by 4%, which reflects the average cost of card processing for customers using the Dual Pricing product.
To remain compliant with card brand rules, customers using Toast Dual Pricing must ensure that all listed prices represent the standard card price, not the discounted cash price.
Note: You can display both card and cash prices side-by-side for each item, but card prices must always be displayed.
Toast also recommends that you display clear disclosures at the entrance, on menus, and at the point of sale (e.g., “Pay with cash and save 4%”).
Note: The Dual Pricing product helps you comply with card brand requirements. You remain responsible for compliance with any additional disclosure or other legal requirements that may apply in your state or local jurisdiction.
The discount only applies if the entire check is paid in full with cash. If a portion of the check is paid by card and a portion is paid by cash, the discount will not be applied to either portion. However, if you split a check into multiple checks, the discount will be applied to the split check if it is paid in full with cash.
The automated cash discount applies to the subtotal before tax and tip—the same way other discounts work in Toast Web (configured as a fixed-percentage discount that applies to the entire check). Since taxes and tips are typically calculated as a percentage of the subtotal, the amount of tax and tips collected on cash transactions may be slightly less than on card transactions.
Guests that place pick-up orders through these channels will receive the automated discount if they pay in-store with cash. If they pay with their card at the time of ordering, then they will not receive a discount.
All existing reports remain the same. The “Cash Discount” appears as a standard discount across sales reports (Sales Summary, Orders, Discounts Report, etc.). Your merchant card processing statements will not change, though future releases may include enhanced reporting.
Using Toast's Dual Pricing product does not mean that you will no longer pay card processing fees. You are still responsible for paying your full, contractual processing rate on all card transactions you accept, including both credit and debit cards. By raising your listed/advertised prices by 4%, you will offset most or all of your card processing fees. If your location is subject to a Monthly Minimum Processing Fee, you will be charged an adjustment on your processing statement only if your card processing fees failed to meet the minimum that month. Refer to the next FAQ for more detail.
Your Dual Pricing package may include significant discounts on monthly software subscription fees. To support this discounted package, your location may be subject to a Monthly Minimum Processing Fee.
Each calendar month, Toast compares the card processing fees assessed for your location against your Monthly Minimum Processing Fee amount:
For example, if your Monthly Minimum Processing Fee amount is $1,600 and your card processing fees for the month total $1,300, you will be charged the $300 difference.
To calculate the card volume you'll need to process in a month to exceed the minimum, take the Monthly Minimum Processing Fee amount and divide it by your card processing rate.
The Monthly Minimum Processing Fee is waived for the calendar month in which your location goes live with Toast and the following two calendar months. After the waiver period, any amount needed to meet the minimum will appear under “Other Account Activity” on your processing statement as “Amount needed to meet Monthly Minimum Processing Fee.”
Yes, you can adjust the discount percentage in Toast Web. To do so, navigate to Finance > Settings > Dual Pricing. Please note that Toast Customer Support will not be able to adjust the discount percentage for you. See Manage the Dual Pricing Product for more detail.
Yes, you can disable Dual Pricing at any time by toggling the applicable setting in Toast Web. To do so, navigate to Finance > Settings > Dual Pricing. Disabling Toast Dual Pricing does not affect your card processing rates or pricing model. See Manage the Dual Pricing Product for more detail.
If you operate more than one location, whether across multiple states or in a single state, you will need to indicate to your sales rep that you are interested in Dual Pricing at each specific location before you sign with Toast.
At this time, Toast Dual Pricing is currently available only to eligible new US customers when they sign up with Toast. It is not yet available to existing Toast customers. If you're interested, join the waitlist to stay informed as availability expands.
Essentially, yes, Dual Pricing is functionally the same as Cash Discounting. In both cases, merchants must ensure that their listed menu prices represent the price for card payments, and if a guest pays by cash, they are provided a discount from that listed price.
In short: Surcharging adds a fee; Dual Pricing provides a discount.
No. Per card brand rules, a merchant cannot use both Credit Card Surcharging and Dual Pricing (sometimes referred to as Cash Discounting) at the same time.
It depends on your goals, your guests, and your overall pricing strategy. Dual Pricing is the best fit if you want to offset processing costs for both debit and credit card transactions, but only if you are willing to incorporate the cost of card processing into your posted menu prices. Surcharging may be a better fit for your business if you do not want to incorporate the cost of card processing into your posted menu prices and would rather add a fee to each credit card transaction (not debit cards).
Keep it simple and positive: “We now offer a 4% discount when you pay with cash—it helps us keep our prices fair while covering card processing costs.”
This content is provided for informational purposes only and is not intended as legal, tax, or other professional advice. You are responsible for your own compliance with applicable laws and regulations, including card brand rules. You should contact your attorney or other relevant professional advisors for advice specific to your circumstances.