“Dual pricing isn’t the same as surcharging” — Rob Davis & David Nacion | GGP #038

Credit card fees are eating into shop profits, but how you pass them on makes all the difference. In this episode, Rob Davis and David Nacion explain the rules, risks, and real-world options for surcharging, dual pricing, and cash discounting in auto repair shops.Guests:Rob Davis — CardConnect / Fiserv — Philadelphia, PADavid Nacion — CardConnect / Fiserv — Philadelphia, PAWhat you’ll learn (shop-owner takeaways):Difference between surcharging and dual pricingWhy dual pricing covers debit cards tooLegal limits on surcharges and compliance risksHow cash discounting works in practiceBest way to present pricing to customersOptions for ACH, Zelle, and alternative paymentsChargeback risks with cards vs. ACH vs. cashHow customer age and ARO affect pushbackTimestamps00:00 – Intro: Credit card fees in shops02:21 – Surcharging vs dual pricing03:41 – State rules and compliance05:56 – How to analyze your fees07:07 – When surcharging becomes risky08:48 – Debit cards, rewards cards, compliance10:14 – Can rates flex by card type?12:18 – Defining true cash discounting13:43 – ACH, Zelle, and new payment options16:48 – Checks, ACH, and instant clearance18:09 – Zelle adoption across banks19:14 – Rob & David’s teamwork approach22:33 – Surcharging rules and caps explained24:34 – What dual pricing really means26:18 – Why Visa dislikes added fees29:57 – How software presents dual pricing33:17 – Effective rate vs processor markup35:06 – Fluctuating interchange rates36:45 – Customer experience and fairness39:15 – Pandemic shift in payment habits42:21 – Zelle, QR codes, and easy options43:49 – Generational differences on fees47:16 – Customer age and ARO insights49:05 – Post-COVID normalization of fees50:55 – 67% adoption across industries52:04 – Why fees keep climbing54:48 – State restrictions and compliance55:11 – Customer complaints and adoption rates57:04 – Transparency in invoicing59:40 – Cash vs ACH vs Zelle chargebacks01:02:10 – Wrapping up and next stepsCall-to-Actions & Contact InfoGot questions? Comment or post in the FB group—guests will chime in.Subscribe for more shop-owner panels & Origin & Impact stories.Want to be a guest? Share your story in the group.LinksListen on Spotify: https://creators.spotify.com/pod/profile/garagegritJoin the Facebook group: https://www.facebook.com/groups/forautorepairshopowners/Learn more: https://aashopmarketing.comNext Step Guide: https://www.aashopmarketing.com/aashopmktg/public/next-steps.aspxGrid Request: https://www.aashopmarketing.com/aashopmktg/public/grid-request.aspxRequest a Call: https://www.aashopmarketing.com/aashopmktg/public/request-a-call.aspxJoin the Podcast Panel: https://www.aashopmarketing.com/aashopmktg/public/join-panel.aspxPartnership Info: https://www.aashopmarketing.com/aashopmktg/public/partnership.aspx