Credit Card Processing & Merchant Services in Merrillville, Indiana

Yes. Indiana has no state law prohibiting surcharging or dual pricing, unlike Connecticut, New York, Massachusetts, and Maine. Under Visa and Mastercard network rules, a credit card surcharge is capped at 3 percent or your actual cost of acceptance, whichever is lower, the card networks must be notified in advance, and signage is required at the point of entry and point of sale. The Durbin Amendment establishes the federal legal basis for cash discount programs, which work similarly. PayPoint's ConsumerChoice dual pricing program is built to stay compliant with both Indiana law and card network rules.

Dual pricing posts two prices for each item, a cash price and a slightly higher card price, and the customer chooses how to pay. A surcharge instead shows a single price and adds a fee for card use at checkout. Both can offset your processing cost, but dual pricing (the ConsumerChoice model) tends to feel friendlier because customers see both options upfront, there is no surprise at the register, and it mirrors what gas stations have done for decades. Both are legal in Indiana, and dual pricing consistently creates less customer friction than adding a fee to an already posted price.

It depends on your transaction volume, your average ticket, and how many customers choose the cash price, so there is no single figure and we will not invent one. On the ConsumerChoice program, every customer who pays cash covers none of the processing cost for your business, and card users cover the cost of acceptance. The honest way to find out your number is a free statement review: bring us your last three months of statements and we will show you a side-by-side comparison before you commit to anything. Request yours at our free rate analysis page.

For restaurants and food service along Broadway and the US-30 corridor near Southlake Mall, Clover POS systems integrate order management, inventory, and payment in one system and calculate dual pricing automatically. For counter-service retail and quick-service, DejaVoo smart terminals are a compact, reliable option. We also offer and support Square, so you can keep the checkout you like. If you want to lower your cost of acceptance, we will walk you through a side-by-side look at your options at your volume. The right choice depends on your ticket size, your transaction volume, and whether you need full POS features or just a payment terminal.

A few clear signals: your effective rate (total fees divided by total volume) is above 2.5 percent; you are on a flat-rate plan or a bundled bank plan with no interchange-plus pricing; your bill has not been reviewed or renegotiated in the last 12 months; or you are paying PCI fees, monthly minimums, and statement fees on top of per-transaction costs. The clearest answer is a free statement review. We read your last three months line by line, calculate your true effective rate, and show you what you would pay under ConsumerChoice. No obligation and no sales pressure.

Merchant services on a bank statement refers to the fees your bank or processor charges so you can accept credit and debit cards. Those usually include interchange fees paid to card-issuing banks, assessment fees paid to Visa and Mastercard, and your processor's markup. The markup is the only portion that is negotiable, and it varies a lot between providers. If your bank shows one lump merchant services charge each month, a free rate review from PayPoint will break down what each line item represents and whether you are overpaying. Call us at (219) 699-8306 to start.