Credit Card Processing & Merchant Services in Highland, 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. 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 only states that exclude these programs are Connecticut, New York, Massachusetts, and Maine, and Indiana is not among them. PayPoint Systems can walk you through compliant setup for your specific Highland business.

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. Surcharging instead adds a fee at the end of the transaction after the customer has already decided to use a card. Under PayPoint Systems ConsumerChoice program, Highland merchants implement dual pricing, which complies with all card network rules and tends to get a better customer reception than a surcharge. RewardPay Choice is PayPoint's surcharging option for merchants who prefer that model. Both programs can eliminate or significantly reduce your monthly processing costs.

Most small businesses pay between 2 and 3 percent of every card transaction in processing fees, covering interchange, card-network assessments, and the processor markup. For a Highland restaurant on Indianapolis Boulevard doing $30,000 a month in card sales, that is roughly $600 to $900 a month that never reaches a revenue line. With a ConsumerChoice dual pricing setup from PayPoint Systems, card-paying customers see a slightly higher card price while cash-paying customers get the lower cash price, effectively eliminating that monthly cost for the business. The best way to see your actual number is a free statement review. We do not promise a specific savings figure without reviewing your real statement.

Most customers are already used to cash versus card pricing. Gas stations have used this model for decades, and it is now common at restaurants, contractors, and retail across Northwest Indiana. Proper signage at the point of entry and the point of sale is required by network rules and is included in PayPoint's setup. Highland merchants find that the large majority of cardholders simply pay the card price, while a minority choose cash to save. The key is transparent disclosure: customers see both prices upfront and make their own choice, which is categorically different from a surprise checkout fee.

PayPoint Systems provides a full range of payment hardware and software for Highland businesses. Options include Clover POS systems (well suited to full-service restaurants, Highland Grove retailers, and salons), DejaVoo smart terminals (countertop and wireless, ideal for contractors and service businesses along Indianapolis Boulevard and 45th Street), and mobile payment solutions for vendors, food trucks, and event-based businesses such as those at Wicker Memorial Park gatherings. PayPoint also provides e-commerce payment gateways for businesses 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.

PayPoint Systems is a family-owned Northwest Indiana provider headquartered in Munster, the town that borders Highland to the west. We are not a national call center and not a door-to-door sales outfit. We use a 219 area code, we provide live local support, and we are quite literally one town over from your Highland storefront. With more than 13 years in merchant services and over $700 million in payments settled, we serve Highland and the surrounding Lake County communities including Munster, Hammond, and Schererville.

Pull your last three monthly processing statements and look for an effective rate above about 2.2 percent on in-person card sales, plus monthly fees, statement fees, PCI fees, or batch fees that are not tied to volume, and tiered qualified, mid-qualified, and non-qualified pricing buckets. Any of those is a sign you are overpaying. PayPoint Systems offers a free, no-obligation statement review. We will show you your actual effective rate versus what you would pay with dual pricing, in writing, before you commit to anything.