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Spotlight Innov ators
Spotlight Innovators

Skip the Copycats:

Here's the Real Deal on Dual Pricing!

L ooking for a simple, compliant cash discount program that meets regulatory guidelines and delivers 100% accu-

rate pricing on every transaction? Steer clear of imitators and choose the original, patented app that ignited the
Dual Pricing revolution.

Created by Jerry Cain, CEO of MBNCard Inc., and team, Dual Pricing won patent approval in 2024, a significant
milestone for the growing company founded in 2024. The innovative app helps merchants comply with government and
card issuer requirements by displaying accurate standard and discounted prices in stores and online, Cain stated.

“Cash discount was taking off in 2015 and merchants were getting fined for discount programs that were more like
surcharging,” Cain said. “When reviewing the rules, I realized the card brands wanted both standard and discount prices
displayed to customers.”
Simplify Pricing
Cain pointed out that cash discount is legal in all states for businesses that meet guidelines and signage requirements
but surcharge regulations vary by issuer and region. Before MBNCard introduced their patented dual pricing
model, there was no easy way for merchants and service providers to calculate discounts and implement these
programs.

Simplify Implementation
While discount and surcharge applications have progressed from early models, Cain observed that some companies
still conflate the two programs. “Companies that surcharge and call it cash discount are getting it wrong and their
merchants are getting fined,” he added, noting the Dual Pricing app is all a merchant needs to be compliant.
Automate Discounts
Dual Pricing uses a proprietary algorithm to automatically calculate discounts, freeing merchants from manual
calculations and removing risk of errors. The app automatically discounts purchases for cash-paying customers
while presenting standard pricing to card-paying customers and creating full discloser signage. This speeds the
checkout process and ensures that every transaction is 100% accurate and compliant.
Grow with Us

Cain additionally noted that the U.S. government-issued patent is a powerful selling tool that has helped MBNCard and
partners grow and scale. MBNCard has grown revenues 20% year over year while decreasing account attrition. Partner
with MBNCard Inc., a leading credit card processing company providing payment solutions to merchants in virtually
every industry across the United States. Together with our partners, we deliver everything a merchant needs, from credit
and debit card processing, ecommerce solutions, gift and loyalty programs, and more, through advanced technologies
and secure payment gateways. Contact us at https://merchantsbancard.com.

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