Customer Choice & Dual Pricing
Keep more of
every payment.
Give customers flexible ways to pay while reducing how much your business absorbs in card and ACH processing costs.
Craftsman Payments combines card, ACH, hosted checkout, saved payment methods, and configurable cost-savings programs in one payment platform built for modern software companies and merchants.
Payment options
Example pricing shown for illustration only. Actual pricing depends on merchant configuration, processor approval, and applicable payment-network rules.
Margin impact
Payment processing adds up fast.
Every card or ACH transaction carries a cost. For businesses processing significant monthly volume, those costs can quietly become one of the largest operating expenses tied to revenue collection.
Craftsman Payments gives merchants more control over how those costs are handled by allowing customers to choose among different payment methods and, where permitted, different payment prices.
Calculator-style assumptions shown for illustration. They are not quotes, offers, or promises of pricing.
Cost savings calculator
See what payment processing may be costing you.
Three inputs. Instant estimate of the processing costs your business absorbs today — and how much Customer Choice could potentially offset.
Drag to set how much of your volume is paid by bank / ACH instead of card.
in payment processing costs
That's approximately $30,960 / year absorbed by your business.
of your estimated processing costs could potentially be offset.
Potential cost offset: Up to 100%*
- Estimated processing expense
- $2,580
- Estimated customer pricing adjustments
- $3,200
- Potential processing cost offset
- $2,580
*Estimates are illustrative and are not guaranteed savings. Actual processing costs, permitted pricing adjustments, card-network rules, merchant agreements, transaction mix, and processor pricing vary. Availability of Customer Choice, Dual Pricing, surcharging, convenience fees, and other pricing programs depends on processor approval and applicable laws and network rules.
Customer Choice
Let customers choose how they want to pay.
Customer Choice allows a merchant to present clear payment options based on payment method — each with its own total, adjustment, and disclosure.
Instead of forcing one payment method or absorbing every processing cost, merchants can offer payment flexibility while keeping pricing transparent.
Merchant-configured only
Every price shown comes from the merchant's approved pricing program — never a platform default.
Disclosure at the point of choice
The disclosure text presented to the customer is stored with the transaction record.
Card price shown includes the merchant-configured adjustment for card payments.
Bank price shown includes the merchant-configured adjustment for ACH payments.
Offline payment recorded at the base invoice amount.
Values shown are illustrative. Merchant-configured values are used at checkout.
Cost savings programs
One platform. Multiple payment-pricing strategies.
Dual Pricing
Present two clearly defined prices so customers can choose the payment method that works best for them.
Customer Choice
Offer multiple payment methods with distinct customer pricing, allowing merchants to recover some or all payment acceptance costs where permitted.
Cash Discount
Offer customers a lower price when they pay with cash or eligible bank payment methods.
Credit Card Surcharge
Apply an approved surcharge to eligible credit-card transactions.
Convenience Fee
Apply a fixed convenience fee where applicable.
Service Fee
Apply a percentage-based service fee based on the merchant's configured pricing program.
Available programs depend on processor approval, merchant configuration, payment method, and applicable laws and payment-network rules. Not every merchant can use every program.
Built for software platforms
Payment infrastructure built for the products you already run.
Craftsman Payments is designed to sit behind the applications you build.
- SaaS platforms
- Lending and finance platforms
- Membership products
- Marketplaces
- Subscription businesses
- Professional services
- Vertical software
Your application works with one normalized API. Craftsman Payments handles payment routing, tokenized payment methods, hosted checkout, Customer Choice, and processor integration behind the scenes.
Beyond traditional payment APIs
More control over the payment experience.
One-size-fits-all payment platforms optimize for a single flow. Craftsman Payments is built for platforms that board many merchants with different processing relationships and pricing programs.
Merchant-specific processing
Each merchant can use its own approved processing account and settlement relationship instead of a shared platform account.
Customer Choice
Offer customers multiple payment methods and pricing options rather than a single one-size-fits-all checkout.
Branded checkout
Keep the payment experience aligned with your software or merchant brand end to end.
One API
Your application integrates once instead of rebuilding payment logic for every processor or merchant.
Customer wallet
Save payment methods securely for future use.
Customers can securely add and manage tokenized cards and bank accounts for future payments.
Card on file
Tokenized cards stored for future invoices and recurring plans.
Bank account on file
Tokenized bank accounts for lower-cost ACH collection.
Default payment method
Customers choose which method should be used automatically.
Recurring payments
Scheduled and autopay charges against a saved method.
Passwordless access
Customers reach their portal through secure, expiring links.
Payment history
A full record of invoices, payments, and refunds.
Sensitive payment credentials remain handled through the payment provider; Craftsman Payments stores safe token references and non-sensitive metadata only.
Simple implementation
One integration. Multiple payment options.
- 1Create customer
- 2Create checkout session
- 3Present payment choices
- 4Customer pays
- 5Receive webhook
- 6Update application
POST /v1/checkout-sessions
{
"amount_cents": 100000,
"customer_id": "cus_123",
"pricing_policy": "merchant_default"
}
200 OK
{
"hosted_url": "https://pay.example.com/c/cs_live_123"
}Reporting
See exactly where your payment costs are going.
Merchants can see the actual pricing adjustments collected on individual transactions rather than relying on estimates. Sample values shown for illustration.
Compliance and responsibility
Flexible pricing with clear controls.
Craftsman Payments supports merchant-configured pricing programs, but availability and permitted use depend on processor approval, payment-network requirements, and applicable law.
Processor-approved rate controls
Programs are configured against the rate the processor approved for that merchant.
Card vs debit eligibility
Method-level eligibility so adjustments apply only where permitted.
Merchant acknowledgment
Merchants accept the exact terms before a program can take effect.
Disclosure snapshots
The disclosure shown at checkout is captured with the transaction.
Receipt disclosures
Adjustments are itemized on customer receipts.
Immutable pricing records
Pricing basis, rate, and adjustment persist with every transaction.
Audit logs
Program changes, approvals, and acceptances are recorded.
Craftsman Payments does not provide legal advice. Merchants remain responsible for ensuring their payment-pricing practices comply with their agreements and applicable requirements.
Find out what payment processing is costing you.
Run your numbers and see how much payment acceptance is currently affecting your margins.
Already processing significant card or ACH volume? We can model your actual payment mix and show how Customer Choice may fit your business.