Card
The customer can pay the posted card price. The checkout shows the card fields for that choice.
Checkout
At checkout, the customer picks a card payment or an ACH (bank) payment. With dual pricing, both prices are posted. The card price is higher. The ACH price is lower.
The customer can pay the posted card price. The checkout shows the card fields for that choice.
The customer can pay the posted ACH price from a bank account. That price is lower than the card price.
Dual pricing shows $51.50 for card and $50.00 for ACH before they pay. They pay one of them. The card price in this example is 3% above the ACH price. This is an example, not a quote, and it is not your rate.
Test mode does not move real money. Live payments start after your business is approved.