Credit Card Processing & Merchant Services in Crown Point, Indiana

If you run a business around Courthouse Square or along the US-231 corridor, you already know the feeling: credit card processing fees are absurd, they come out of every single sale, and the company you signed with is a 1-800 number two states away. PayPoint Systems is the local alternative. We are a family-owned Northwest Indiana merchant services provider with a 219 area code, and we help Crown Point owners keep more of every sale with compliant dual pricing, part of credit card processing across Northwest Indiana.

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Call (219) 699-8306

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Stuck With a 1-800 Number Two States Away?

The big banks can't fix that. A local team can.

Why Crown Point Owners Are Leaving Big Banks, Stripe, and Faceless National Processors

Stripe and the national processors are built for transaction volume, not local service. The banks in the Crown Point map pack, First Merchants and Centier, cannot legally promote dual pricing or surcharging the way an independent provider can. And when a national 1-800 processor leaves you on hold at 6pm on a Friday before a busy weekend, no one in the 219 picks up. We are the local accountable option, and we will show you whether surcharging is legal in Indiana for your business before you change a thing.

See How Dual Pricing Works

Built for the Businesses Crown Point Runs On

Crown Point is the seat of Lake County and the heart of a thriving independent business community. We tailor payment setups to how your business actually takes money, with particular experience serving the verticals that line Courthouse Square and the US-231 corridor.

Point-of-sale terminal on the counter of a Crown Point downtown boutique

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Restaurants & Food Service

From the dining spots around the historic downtown square to counter-service cafes, dual pricing fits tip-heavy, high-volume card business and keeps your kitchen margin intact.

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Retail & Boutiques

Courthouse Square boutiques and antique shops see seasonal peaks around the Lake County Fair and the farmers market. Keep your margin on every card sale, all year.

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Auto Repair & Service

Higher average tickets along the US-231 and Broadway corridor mean processing costs add up fast. Dual pricing maximizes what you keep on every repair order.

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Salons & Spas

Tip-heavy, appointment-based businesses where a clear cash price and card price help customers choose and help you save on every visit.

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Professional Services

As the Lake County seat, Crown Point is full of attorneys, accountants, and title firms taking larger card payments where the rate matters most.

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Coffee Shops & Cafes

High-frequency, low-ticket sales are where processing fees erode margin fastest. Local roasters and cafes keep more of every cup with dual pricing.

The PayPoint Dual Pricing Advantage

We are an independent Northwest Indiana provider, not a bank and not a call center. We set up the program that fits how your business actually takes money, then we stay local to support it.

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ConsumerChoice Dual Pricing

Post a cash price and a card price. Customers choose, card users cover the cost of acceptance, and your business moves toward near zero-cost processing. Fully compliant with card network rules.

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RewardPay Choice Surcharging

Prefer a single posted price? Add a compliant surcharge to credit cards, disclosed on signage and the receipt and capped within card network limits. Indiana is fully eligible.

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Clover & DejaVoo Equipment

We deploy Clover POS systems and DejaVoo smart terminals that calculate dual pricing automatically, and we also offer and support Square, so you can run the checkout you already trust while keeping checkout simple for your staff and clear for your customers.

Zero-Cost Processing, Explained Like the Gas Pump

You have seen it at the pump for forty years: one price for cash, a slightly higher price for card. Dual pricing brings that same transparent choice to your counter. Card users cover the processing cost, cash customers pay less, and you stop absorbing the fee on every sale. Surcharging and dual pricing are both fully legal in Indiana, and the Durbin Amendment is the legal basis for cash discounts. Learn more about whether surcharging is legal in Indiana.

Get Your Free Statement Review

Near $0

Card Processing Cost

A properly configured dual pricing program offsets the cost of acceptance, so card fees stop coming out of your margin.

Compliant with Visa and Mastercard rules. Capped at the cost of acceptance, never a profit center.

How Switching to PayPoint Works

There is no pressure and no obligation. Most Crown Point owners would rather shake a hand than fill out a form, so we come to you and start with a clear look at your real numbers.

PayPoint Systems rep reviewing a processing statement with a Crown Point business owner

Send Us Your Statement

Send a recent processing statement. We read it line by line and show you exactly what you are paying now and where every dollar goes.

See Your Real Numbers

We build a side-by-side comparison using your actual volume and average ticket. No guesses, and no numbers you cannot verify.

We Set Up and Support You Locally

We install your equipment, handle signage and compliance, and stay reachable in the 219 when you need us. We will even stop by your Crown Point location.

Local Power. Real Human Support.

We are not the biggest name in payments and we do not try to be. We are the local team that is accountable to the community it serves, also helping merchants in Merrillville and Schererville.

13+

Years Serving NWI

More than a decade helping Northwest Indiana business owners accept cards and cut their processing costs.

$700M+

Settled Volume

A proven track record settling payments for Lake and Porter County businesses.

219

Local Area Code

Family-owned and locally operated, with live support and in-person service. Not a call center.

Crown Point Credit Card Processing FAQ

Clear answers to what Crown Point owners ask most before switching processors.

Is credit card surcharging legal in Indiana?+

Yes. Indiana is fully eligible for both surcharging and dual pricing, with no state prohibition on credit card surcharges (unlike Connecticut, New York, Massachusetts, and Maine). Card network rules still apply: surcharges are capped at 3 percent or your actual cost of acceptance, whichever is lower, and signage is required at the point of entry and point of sale.

What is dual pricing, and how is it different from a surcharge?+

Dual pricing posts two prices for each item, a cash price and a card price. Customers choose how to pay, and the card price covers the cost of acceptance. A surcharge instead adds a fee at checkout on top of one posted price. Both can offset your processing costs, but dual pricing tends to feel friendlier because it mirrors what buyers already see at the gas pump.

Can a Crown Point business really pay close to zero in processing fees?+

With a properly configured ConsumerChoice dual pricing program or RewardPay Choice surcharging program, the cost of card acceptance is covered by the card-paying customer instead of your business. Your cash customers pay nothing extra. It is a legal, card network compliant approach used by tens of thousands of merchants since the Durbin Amendment created the basis for cash discounts.

How much could my Crown Point business save?+

It depends on your current rate, monthly volume, and average ticket, so there is no single figure and we will not invent one. The honest way to find out is a free statement review: we read your current statement and show you a side-by-side comparison before you commit to anything. Request yours at our free rate analysis page.

What happens if my terminal breaks on a weekend?+

You reach a real person, not an automated queue. As a family-owned Northwest Indiana company with a 219 area code, our team is in your time zone and reachable when a terminal issue threatens your Saturday dinner rush on Courthouse Square or your Monday service calls on the US-231 corridor.

Which POS systems do you support in Crown Point?+

We deploy and support Clover POS systems for restaurants, retail, and full-service businesses, plus DejaVoo smart terminals for countertop and wireless use. We also offer and support Square, so whatever platform fits your counter, we set it up, give you a side-by-side look at your options, and keep your support local in the 219.

See What Zero-Cost Processing Looks Like for Your Crown Point Business

We will review your current processing statement at no charge and show you a side-by-side comparison. No commitment, and most businesses hear back within one business day. Prefer we come to you in Crown Point? Just say so.