For Square merchants

Keep the cash price.
Either way they pay.

Duet shows your customer two real prices on every invoice — a lower one for bank, a higher one for card. They choose. You net the cash price. It plugs into your Square account in about five minutes.

Works with your Square account Legal in all 50 states No contract
Sample invoice
You want to net$100.00
Live
Dual Price %
5.0%
Split the freight · 2%Default · 5%Margin on card · 10%
Choose how to pay
Best price selected
Pay by bank (ACH)
No Duet fee · 1–2 business days · Save $5.00
$100.00
Pay by card
Visa · Mastercard · Amex · Discover
$105.00
Secured by Square · Powered by DuetAcme Landscaping · INV-0001
Without Duet
−$3.20
Square's 2.9% + $0.30
With Duet · 5.0%
+$0.61
You net more than your base
Per $100 card transaction. Bank payments are unaffected — Duet never charges a fee on ACH.
The math you’re missing

You’re handing about 3% of every card swipe to processing.

That’s $30 on a $1,000 invoice. $3,000 on $100,000 of monthly card volume. Real money you earned and don’t keep. Duet recovers it — legally — without switching processors or surprising your customer.

$30
lost on a $1,000 invoice
$3K
lost monthly at $100K volume
$36K
lost annually at that rate
$0.30
effective Duet cost per card txn
The compliance proof

Both prices appear at every step.

Not a surcharge added at checkout. Not a fee revealed late. Two real prices, disclosed end-to-end — the customer makes an informed choice. That’s what makes Duet legal in all 50 states.

Walk through it →
01Estimate
EST-0084
SIGN TO ACCEPT
Spring cleanup — 1050 Maple St
Total
Bank · ACH$100.00
Card$105.00
Customer reviews both prices before they agree.
02Invoice email
From: Acme Landscaping
Your invoice is ready
Pay by bank or card — pick at checkout.
Bank · ACH$100.00
Card$105.00
View invoice →
Both prices in the email — not just the link.
03Hosted invoice
INV-0001
● UNPAID
Spring cleanup
Subtotal$100.00 / $105.00
TOTAL
Bank · ACH$100.00
Card$105.00
Subtotal, tax, total — rendered twice.
04Checkout
Choose how to pay
Bank — best price$100.00
Card$105.00
Two large buttons. Customer picks.
05Receipt
Paid · Thank you
You paid · Bank$100.00
Card price (not used)$105.00
Shows both prices and the one they chose.
06Refund record
Refund issued
Refunded in the path the customer paid.
Audit record
Bank · ACH$100.00
Card$105.00
Audit trail keeps both prices on the record.
Why merchants switch

Built for owners, not payments people.

No interchange jargon. No “PCI” anything. You set the price you want deposited, and the rest is wired up for you.

01
Keep more of every dollar
On a $100 card transaction, you net ~$99.70 instead of ~$97.
02
Works with the Square account you already have
No new processor. Money lands in your Square account.
03
Better customer experience, not worse
They see both prices upfront and pick. They feel in control.
04
Compliance is the platform's job
Disclosures live in the emails, payment pages, receipts. You just send invoices.
05
Works the way you actually sell
Invoices, recurring giving, public pages, embedded widgets, in-person QR.
06
Configurable to your business
5% by default. Slide it down to split the freight, or up for margin on card.
What’s in the platform

A complete invoicing tool. Not just a surcharge add-on.

Full tour →
Dual-priced invoices
Send by email or text. Customer pays on a hosted page that's branded to your business.
Estimates & sign-to-accept
Signed estimates carry a PDF audit certificate. Convert to invoice in one click.
Public payment pages
Donations, invoice lookup, registration, auctions. Hosted on duetpay.io or your domain.
Embeddable widgets
Drop a 3-line script into your site. Looks like part of your own brand.
QR code generator
Branded QRs for in-person collection, signage, mailers.
Recurring & reminders
Recurring giving, automated overdue reminders, refunds, audit trail.
Plain-English compliance

It’s not a surcharge.
It’s two real prices.

Surcharges are heavily regulated, banned outright in several states, and require network registration and tricky disclosure. Dual pricing is different — two prices from the start, disclosed at every touch point — and it’s legal in all 50 states.

Duet builds the disclosures into your invoices, emails, payment pages, and receipts. You don’t have to figure out the legal part — you just send invoices.

Two paths, two prices
Surcharge
Adds a fee on top at checkout. Regulated. Restricted in many states.
Dual pricing
Two prices, shown side-by-side from the start. Legal in all 50 states.
Words we avoid: surcharge, processing fee, passing on costs.
Words we use: two prices, bank price, card price, customer chooses.

Connect Square.
Send your first dual-priced invoice
before lunch.

No long contract. No setup fee. ACH is fee-free from Duet’s side, every time — Square’s standard ACH rate still applies, capped at $10.