Every time a member taps their card at your front desk, your club pays a processing fee. Two to three percent doesn't sound like much on a single transaction, but multiply it across hundreds of membership dues, guest fees, pro shop purchases, and café tabs every month and it becomes a real line item.

For a mid-size club processing $30,000–$50,000 per month across all channels, that's $7,200–$18,000 per year in processing fees alone.

Dual pricing is a compliant, transparent way to offset those costs — and the Clover Station Duo makes it simple to implement at the point of sale.

What dual pricing actually is

Dual pricing displays two prices for every transaction: a cash price and a card price. The card price includes a small service fee (typically three to four percent) that covers the cost of processing. Members who pay cash pay the lower listed price.

This is not a surcharge hidden at checkout. Both prices are displayed upfront — on the terminal screen, on signage, and on receipts. The member sees both options and chooses how to pay. Full transparency, no surprises.

Dual pricing is legal in all 50 states and compliant with card network rules when implemented correctly. The Clover Station Duo and PaySec handle the compliance details automatically.

Why it works well for tennis clubs

Tennis clubs have a unique payment mix that makes dual pricing particularly effective:

High-value recurring transactions. Monthly membership dues of $100–$300+ mean the per-transaction fee is significant. Members who switch to ACH or cash for their dues save money and so does the club.

Frequent small transactions. Pro shop purchases, café tabs, and guest fees happen dozens of times per day. The service fee on card payments for these smaller transactions is proportionally higher — dual pricing gives cost-conscious members an alternative.

Member relationships support adoption. Unlike a retail store where customers are anonymous, your members have a relationship with the club. They understand that processing fees are a real cost and that keeping them low benefits everyone through better facilities, programming, and stable dues.

Competitive positioning. Clubs that offset processing costs through dual pricing can hold membership rates steady longer. That's a tangible benefit members notice at renewal time.

How it works on the Clover Station Duo

The Clover Station Duo is purpose-built for dual pricing with its two-screen design:

Merchant-facing screen

Staff rings up the transaction normally — guest fees, pro shop items, café orders, whatever the sale is. The system automatically calculates both the cash price and the card price based on your configured service fee percentage.

Customer-facing screen

The member sees their itemized total with both prices clearly displayed:

Cash price: $45.00
Card price: $46.35

They choose their payment method. If they tap or insert a card, the card price applies. If they pay cash, the terminal processes at the cash price. No awkward conversations. No staff having to explain the fee. The screen does the work.

Receipts and compliance

Every receipt generated by the Clover Station Duo clearly shows which price was applied and why. This satisfies card network disclosure requirements automatically. PaySec ensures your dual pricing configuration stays compliant with Visa, Mastercard, and state-level regulations — you don't need to track rule changes yourself.

The financial impact

Here's what dual pricing typically looks like for a tennis club:

Monthly card volume	Avg. service fee offset	Annual savings
$20,000	60% cash adoption	~$4,300
$35,000	50% cash adoption	~$6,300
$50,000	45% cash adoption	~$8,100

These numbers assume a blended processing rate of 2.8% and realistic cash adoption rates. Your actual savings depend on your transaction mix and how quickly members adopt cash or ACH for recurring payments.

Even conservative estimates show dual pricing covering the cost of the Clover hardware within the first two months.

Common concerns (and reality)

"Won't members be upset?"

In practice, member pushback is minimal. The fee is small per transaction, it's disclosed upfront, and members have a clear alternative. Clubs that communicate the change well — a brief email explaining that this keeps dues stable — see smooth adoption.

"Is it legal in my state?"

Dual pricing (cash discount) is legal in all 50 states. It's distinct from credit card surcharging, which has state-level restrictions. PaySec configures your Clover terminal for the compliant approach in your jurisdiction.

"Will it slow down checkout?"

No. The customer-facing screen shows both prices automatically. Members tap or pay cash as they normally would. There's no extra step, no pop-up to dismiss, no staff script to deliver.

"What about online payments through Rally+?"

Dual pricing applies to in-person transactions at the Clover terminal. Online payments through Rally+ continue to process as configured in your existing billing settings. PaySec can advise on whether to apply a similar model to online transactions if desired.

Getting started with dual pricing

Talk to PaySec about enabling dual pricing on your merchant account.
Configure your service fee — PaySec recommends a rate that covers your blended processing cost without exceeding card network limits.
Post signage — PaySec provides compliant signage templates for your front desk and pro shop.
Communicate to members — send a brief announcement explaining the new pricing display and that cash payments receive a discount.
Go live — the Clover Station Duo handles everything from there.

Ready to stop absorbing processing fees? Rally+ and Clover Station Duo through PaySec make dual pricing simple, compliant, and member-friendly. Talk to your Rally+ account team about getting set up.

Dual Pricing for Tennis Clubs: How Clover Station Duo Helps You Offset Processing Fees