Credit Card Processing & Merchant Services in Chesterton, Indiana

Yes. Dual pricing, where you show customers a cash price and a card price and let them choose, is fully legal in Indiana. Indiana has no state-level restriction on credit card surcharging or cash discount programs, and Porter County adds none. The Durbin Amendment provides the federal legal basis for cash discount programs. Visa and Mastercard network rules cap the card-price differential at 3 percent (most programs run at 2 percent), and proper customer disclosure is required. The excluded states are Connecticut, New York, Massachusetts, and Maine, and Indiana is not among them. PayPoint Systems handles the signage and POS configuration so your Chesterton business is compliant from day one.

Dual pricing shows customers two prices at the point of sale, a cash price and a card price, and they choose which to pay. No surprise fee is added at checkout, and it applies to both credit and debit cards. Surcharging instead adds a fee at the end of the transaction after the customer has already decided to use a credit card. Under PayPoint Systems ConsumerChoice program, merchants implement dual pricing, which complies with all card network rules and tends to get better customer reception than a surcharge, especially with the walk-in, tourist-facing traffic common in downtown Chesterton. RewardPay Choice is PayPoint's surcharging option for merchants who prefer that model. Both can eliminate or significantly reduce your monthly processing costs.

Savings depend on your monthly card volume and current processing rate, and in Chesterton that volume often spikes through the summer dune season, so there is no single figure and we will not invent one. Most merchants processing on credit cards at a standard 2.5 to 3 percent rate can offset close to 100 percent of their processing cost under a ConsumerChoice dual pricing program, because the card-price differential is absorbed by cardholders who choose to pay by card. A downtown Broadway boutique doing meaningful monthly card volume can recoup the fees it was quietly paying every month. PayPoint offers a no-cost statement review to calculate your specific numbers before you commit to anything.

Most customers are already familiar with cash versus card pricing. Gas stations have used this model for decades, and it is now common at restaurants, contractors, and retailers across Northwest Indiana. Proper signage at the point of entry and point of sale is required by network rules and is included in PayPoint's program setup. Because Chesterton's downtown and the Saturday European Market draw a lot of out-of-town visitors heading to the Indiana Dunes, transparent both-prices-displayed pricing matters. There is no surprise fee, just a clear cash price and card price. Most cardholders simply pay the card price without issue, and a minority pay cash to save. The key is transparent disclosure.

PayPoint Systems provides a full range of payment hardware and software for Chesterton businesses. Options include Clover POS systems (well suited to downtown restaurants, taprooms, and retail), DejaVoo smart terminals (countertop and wireless, suited to antique dealers, galleries, and service businesses), and mobile payment solutions for vendors, food trucks, and seasonal sellers like those at the Saturday European Market at Thomas Centennial Park. PayPoint also provides e-commerce payment gateways for boutiques and galleries adding online sales. Equipment can be bundled with a ConsumerChoice dual pricing program so the cost of your terminals is effectively covered by fee savings.

Chesterton has plenty of bank branches, but banks offer merchant services as a convenience product tied to your business checking account. They use bundled or tiered pricing with markups above interchange, often resell a third-party processor, and do not offer dual pricing programs that can eliminate your processing costs. PayPoint Systems is NWI-based with a local 219 number, the ConsumerChoice and RewardPay Choice programs, and offers Square, Clover, and DejaVoo hardware. For merchants who want to eliminate fees rather than just reduce them, a local provider is the structurally better fit, and we will show you the real numbers in a free statement review before you change a thing.