Payment ProcessingApril 9, 2026·4 min read

How to Train Your Staff on Network Offset Pricing in 15 Minutes

A quick guide for managers on training front-line employees to handle the cash/card pricing model.

By Jessica N.

Key Takeaway

A quick guide for managers on training front-line employees to handle the cash/card pricing model.

Implementing Network Offset Pricing is straightforward — but your staff needs to be comfortable explaining it. Here's a 15-minute training framework that prepares your team for day one.

The 3-Sentence Explanation

Train every employee to explain the pricing model in three sentences or fewer:

"We offer two payment options — a cash price and a card price. The card price includes a small amount that covers the cost of card processing. You're welcome to pay either way."

That's it. Most customers don't need more than this.

The Common Questions Script

Q: "Why are there two prices?"

A: "The cash price is our base price. The card price includes the cost of processing the card payment. You choose whichever works best for you."

Q: "Is this a surcharge?"

A: "No — both prices are displayed upfront so you can choose before you pay. A surcharge would be added at checkout."

Q: "Do you have to do this?"

A: "Card processing costs our business thousands of dollars a year. This pricing model lets us keep our base prices lower while giving customers the choice of how to pay."

Q: "That's annoying." (rare)

A: "I understand. You're welcome to pay either way — the choice is yours."

The Do's and Don'ts

  • Present both options neutrally: "Cash or card?"
  • Point to the signage if customers ask questions
  • Be confident and matter-of-fact
  • Apologize for the pricing model
  • Say "we have to charge extra for cards" (you're not charging extra — you're displaying two prices)
  • Pressure customers toward one payment method

The Timeline

  • Day 1–2: Staff may feel nervous. This is normal.
  • Day 3–5: Comfort level increases as customers react neutrally.
  • Week 2: It feels completely normal for everyone.

Jessica N. creates content for business owners just starting their payment processing journey. She previously ran onboarding programs at a merchant services company and understands the questions new merchants ask.

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Jessica N.

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Jessica N. creates content for business owners just starting their payment processing journey. She previously ran onboarding programs at a merchant services company and understands the questions new merchants ask — and the mistakes they are steered into.

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