Credit card processing costs retailers a percentage of every sale. Some firearm retailers pass that cost on by listing two prices: a lower cash price for payment by check, money order, or similar methods, and a higher price for cards.
Why it matters
The difference is often a few percent. On a $600 handgun, that can be $15 to $25, which is enough to change which store has the better deal. If one store advertises its cash price and another advertises its card price, the comparison is skewed before shipping is even considered.
What to check
- Which price is listed. Look for wording like “cash discount price” or “card price” on the product page or at checkout.
- How you’ll pay. If you’ll use a card, compare card prices across every store.
- Timing. Paying by check or money order usually means waiting for payment to arrive or clear before the order ships.
How Dialed Price handles it
When a store uses dual pricing, Dialed Price ranks by the payment method you’ve chosen in your settings, so every listing is compared on the price you’ll actually pay.