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Why Big Brands Like Macy’s and Home Depot Incentivize You to Use Their Credit Card—and What You Can Do Instead

Why Big Brands Like Macys and Home Depot Incentivize You to Use Their Credit Card

Big brands like Macy’s and Home Depot have a clever strategy: they offer store-branded credit cards with enticing discounts, rewards, and perks. Why? Because it saves them money. Every time you use their card instead of a third-party credit card, they avoid paying processing fees of 2-4%. For them, it’s a win-win: lower costs and loyal customers.

But for smaller businesses, creating a store-branded credit card isn’t practical—it’s expensive, complex, and out of reach. Luckily, there’s another option that’s both simple and effective: Dual Pricing.


What Is Dual Pricing?

Dual pricing empowers your business to offset credit card processing fees without the need for a custom credit card program. Here’s how it works:

  • Card Price: Customers who pay with a credit card cover the small fee associated with processing their payment.
  • Cash Price: Customers paying with cash enjoy a lower price, with no additional costs.

This approach is transparent and lets customers choose how they want to pay while helping your business save on fees.


Why Dual Pricing Works for You

Unlike big brands that can afford costly credit card programs, dual pricing is an accessible solution for businesses of any size.

  • Save Thousands: Keep more of your revenue by avoiding 2-4% credit card processing fees on every transaction.
  • Simple and Flexible: Dual pricing is easy to implement and always operates on a month-to-month basis. No long-term contracts—ever.
  • Risk-Free to Try: Test dual pricing for 30 days with no obligation. If it’s not the right fit for your business, you can walk away, no strings attached.

Take Control of Your Processing Costs

You don’t need the resources of a big-box retailer to reduce your credit card processing expenses. Dual pricing offers a practical, customer-friendly way to save money and increase profitability—all without complicated systems or lengthy commitments.

Try dual pricing for 30 days. No long-term contracts. Month to month. Always.

Ready to keep more of your hard-earned revenue? Contact Adaptive Payment Solutions today to see how dual pricing can work for your business!

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