Dual pricing meetings, screened for state rules before they land on your calendar.
VA Horizon books exclusive, double-confirmed meetings with merchants who are open to a dual pricing conversation, screened for state-level eligibility before the meeting is offered, for a $300 one-time setup plus $250 to $450 per held meeting. Dual pricing is federally protected in all 50 states under the Durbin Amendment, though Connecticut, Maine, Massachusetts, and Puerto Rico ban traditional surcharging outright and New York requires strict total-price disclosure. VA Horizon checks that state context before booking, not after.
Pay per booked meeting. No retainer.
Dual pricing is the most heavily published pitch in this market. Eligibility screening is not.
At least five independently published 2025 and 2026 guides walk agents through how to sell dual pricing. None of the vendors reviewed for this page screen a meeting for whether the merchant can legally run it before booking.
The how-to content is crowded. The eligibility check is not.
Merchantsbancard.com, a dedicated field-guide PDF from leadsplus.us, SignaPay, HostMerchantServices, and CCSalesPro have all published dual pricing sales guides in this window. That density is a sign the pitch itself is well covered. Whether a specific merchant sits in a legal state before the pitch even starts is a separate question none of those guides answer inside the meeting-booking step.
Four jurisdictions ban it outright, and the rules genuinely differ by state
Connecticut, Maine, Massachusetts, and Puerto Rico ban traditional surcharging outright, and New York requires a strict total-price disclosure that makes it illegal to list a price and add a surcharge afterward. California's flat surcharge ban was struck down by the Ninth Circuit, but the state's separate drip-pricing law still restricts how a surcharge can be shown. A meeting booked without checking which of these applies can be a wasted trip before the pitch even starts.
Real compliance steps exist before a merchant ever sees a receipt
Visa requires merchants to notify Visa and their acquirer at least 30 days before beginning surcharging, and every receipt has to show the surcharge as its own line item. Surcharging is also limited to credit cards, never debit or prepaid. A rushed pitch that skips any of that leaves the merchant, and the agent who sold it, exposed.
Responsibility sits with the merchant, but the meeting should not pretend otherwise
Industry guidance is explicit that the merchant, not the agent or ISO, bears legal responsibility for state-specific pricing-disclosure compliance. That does not mean the meeting itself should be booked blind. A merchant screened for basic state eligibility walks into the conversation already oriented, instead of finding out mid-pitch that the program is not available where they operate.
How a dual pricing meeting gets built.
State eligibility gets checked before the SMS conversation ever opens the topic, not discovered on the call.
List filtered by state and industry
We build your merchant list filtered to the states and industries where dual pricing is actually a live conversation for your book, flagging the outright-ban jurisdictions before outreach starts.
SMS conversation checks openness, not just eligibility
Human + AI SDRs confirm the merchant's current pricing model and openness to a dual pricing or cash-discount conversation over SMS, through the VA Horizon Private CRM, before offering a meeting slot.
Double-confirmed booking
The merchant confirms once when they pick a time and again as the meeting approaches, so a cold-footed prospect gets caught before it costs you the trip.
Transcript ships with the charge
Every held meeting arrives with the SMS transcript, so you know exactly what the merchant already understood about dual pricing before you walk in.
One published rate, state-screened before it bills.
$300 one-time setup, then typically $250 to $450 per held meeting, exact rate quoted after a fit call.
The $300 setup covers your list build, state and industry filtering, and calendar integration. After that, $250 to $450 per held, double-confirmed meeting, exact rate set on a fit call. No retainer, and no charge for a meeting that never happened.
Double-confirmed
Every meeting is confirmed twice before it counts toward billing: once when it is booked, once as it approaches.
Pay per held meeting
You pay when a qualified, double-confirmed meeting actually happens on your calendar.
No retainer
No monthly minimums and nothing owed between held meetings.
Small one-time setup
Covers your list build, campaign, and calendar integration, quoted on a fit call.
What counts as a qualified dual pricing meeting.
Written down before the first text goes out, so a meeting only lands when the program is actually available to that merchant.
State eligibility confirmed
The merchant's operating state is checked against the outright-ban list, Connecticut, Maine, Massachusetts, and Puerto Rico, and flagged for New York's total-price disclosure rule, before a meeting is offered.
Openness to the conversation
The merchant has agreed to talk about dual pricing, cash discounting, or their current surcharge setup, not a passive contact pulled from a cold list.
Decision-maker reached
The meeting is with the owner or the person who can actually approve a pricing model change.
Current processor and contract status
Confirmed live in the SMS conversation, so the meeting fits whatever your dual pricing offer actually requires.
What a state-screened meeting gets you that a generic lead does not.
None of the dual pricing vendors reviewed for this page build state eligibility into their qualification step. Here is what VA Horizon does instead.
State-screened before booking
A merchant in an outright-ban jurisdiction never gets booked into a dual pricing meeting in the first place.
Exclusive, never resold
A meeting booked for your business is never shopped to a second buyer working the same list.
Double-confirmed
Two checkpoints before a meeting counts, catching a merchant who cools off before you show up.
No-show, never billed
A no-show is replaced free, not invoiced.
Dual pricing campaign meetings, answered.
Is dual pricing legal everywhere?
Do you check state eligibility before booking?
Who is legally responsible for compliance, VA Horizon or the merchant?
Is there a card-network surcharge cap I should know about?
How much does this cost?
Do you cold call merchants for this?
Screen your list before you launch.
Book a 15-minute call. We map your states and industries, confirm your rate inside the $250 to $450 range, and give you a launch date.
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