Credit Card Processing & Merchant Services in Gary, Indiana

Gary is a city on the move. From the walkable Lake Street dining district in Miller Beach to the Broadway commercial corridor downtown to the hospitality businesses growing up around Hard Rock Casino Northern Indiana, owners here are building something, and credit card processing fees take a bite out of every single sale. PayPoint Systems is the local alternative to a 1-800 number two states away. We are a family-owned, independent Northwest Indiana merchant services provider with a 219 area code, and we help Gary owners keep more of every sale with compliant dual pricing, part of credit card processing across Northwest Indiana.

Get My Free Statement Review

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 Gary 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 with branches in Gary, from the Fifth Third in Miller to Horizon Bank on Richard Gordon Hatcher Boulevard, 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. Gary owners are already asking each other which system to use in local vendor groups. We are the local accountable answer, 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 Gary Runs On

Gary is the seat of Lake County and the western gateway to Indiana Dunes National Park, with a business base that runs on hospitality, food service, and retail. We tailor payment setups to how your business actually takes money, with particular experience serving the high-volume, thin-margin verticals that line Lake Street in Miller Beach and the Broadway corridor downtown.

Point-of-sale terminal at a Miller Beach restaurant counter in Gary, Indiana

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Restaurants & Food Service

From the locally owned restaurants along the Lake Street corridor in Miller Beach to the dining tied to the Hard Rock entertainment district, dual pricing fits tip-heavy, high-volume card business and keeps your kitchen margin intact.

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Retail & Boutiques

Miller Beach boutique shops and Broadway corridor stores see seasonal peaks driven by South Shore Line visitors from Chicago and dunes traffic. Keep your margin on every card sale, all year.

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Hospitality & Entertainment

The Hard Rock Casino corridor, Genesis Convention Center events, and Gary SouthShore RailCats games at U.S. Steel Yard create a growing hospitality economy where modern, low-cost payment processing matters.

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Contractors & Trades

Gary's revitalization is putting contractors and trade businesses to work. Higher average tickets mean processing costs add up fast, and dual pricing maximizes what you keep on every job.

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Airport & Travel Vendors

Gary/Chicago International Airport, the region's third airport, brings concession vendors, car rental operators, and travel retailers who need the same modern payment solutions as any hospitality business.

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Coffee Shops & Cafes

High-frequency, low-ticket sales are where processing fees erode margin fastest. Miller Beach coffee bars and campus-adjacent cafes near IUN 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. For a Miller Beach restaurant or a Broadway retailer running thin margins on high card volume, that fee can add up to thousands of dollars a year back in the owner's pocket. 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 Gary 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 Gary 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 Gary 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 Hammond and Merrillville.

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.

Gary Credit Card Processing FAQ

Clear answers to what Gary owners ask most before switching processors.

Is it legal to charge a credit card fee in Gary, Indiana?+

Yes. Indiana fully permits both surcharging and dual pricing, with no state prohibition on credit card surcharges (unlike Connecticut, New York, Massachusetts, and Maine). A Gary business can post a cash price and a card price, or add a disclosed card surcharge. Card network rules still apply: surcharges are capped at 3 percent or your actual cost of acceptance, whichever is lower, debit and prepaid cards are excluded, and disclosure to the customer before the sale is required. PayPoint Systems handles the compliance setup for you.

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 Gary drivers already see at the gas pump.

Can a Gary 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 Gary 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.

I already use Square. What does PayPoint add for my Gary restaurant or shop?+

Plenty, and you can keep Square if you like it. PayPoint offers and supports Square right alongside Clover and DejaVoo, so the difference is the service behind it: a local 219 rep who answers when your terminal goes down on a Saturday night during a Miller Beach dinner rush, instead of an 800 number and a wait. And if you want to move your net processing cost toward zero, we can set up a compliant dual pricing program on Clover or DejaVoo whenever you are ready.

Which POS systems do you support in Gary?+

We deploy and support Clover POS systems for restaurants, retail, and full-service businesses, plus DejaVoo smart terminals for countertop and wireless use. These are a good fit for the Lake Street dining district, Broadway corridor retailers, and mobile vendors at Marquette Park and U.S. Steel Yard events. 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.

Does PayPoint Systems serve Gary and the rest of Lake County?+

Yes. PayPoint Systems is a family-owned, independent merchant services provider based in Northwest Indiana with more than 13 years serving Lake County businesses. We serve Gary and every surrounding NWI community, including Hammond, Merrillville, Hobart, Portage, and Lake Station. You reach a real person at a 219 area code, and we can meet face to face when it helps. Call us at (219) 699-8306 or request a free statement review.

See What Zero-Cost Processing Looks Like for Your Gary 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. Join Gary's growing business community with payment processing that works as hard as you do. Prefer we come to you in Gary? Just say so.