Credit Card Processing & Merchant Services in Munster, Indiana

Yes. PayPoint Systems is headquartered at 9404 Margo Ln. in Munster, Indiana. We are a family-owned, independent Northwest Indiana company, not a national call center and not a toll-free reseller. When a Munster business owner calls our 219 line, they reach a local team in the same town. Your processor is down the street, not two states away. You can call us at (219) 699-8306 and a local person picks up.

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 cash discount or surcharging 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 clear customer disclosure is required. The only states that prohibit 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 business type.

Dual pricing posts two prices at the point of sale, a cash price and a card price, and the customer chooses. No surprise fee is added at checkout. Surcharging instead adds a fee at the end of the transaction after the customer has already chosen to use a card. Under PayPoint Systems ConsumerChoice program, merchants implement dual pricing, which complies with all card network rules and tends to land better with customers than a surcharge. RewardPay Choice is PayPoint's surcharging option for merchants who prefer that model. Both can eliminate or sharply reduce your monthly processing costs.

Savings depend on your monthly card volume and current processing rate, so there is no single figure and we will not invent one. A merchant processing mostly on credit cards at a standard 2.5 to 3 percent rate can offset close to 100 percent of processing cost under a ConsumerChoice dual pricing program, because the card-price differential is covered by the cardholders who choose to pay by card. A Calumet Avenue restaurant doing meaningful monthly card sales could recoup hundreds of dollars a month in previously paid fees. PayPoint offers a no-cost statement review to calculate your specific number before you commit to anything.

Most customers are already used to cash versus card price differences. Gas stations have done it for decades, and it is now common at restaurants, contractors, and retail across Northwest Indiana. Network rules require clear signage at the point of entry and point of sale, and that signage is included in PayPoint's program setup. The key is transparency: customers see both prices upfront and make their own choice. The large majority simply pay the card price, and a minority pay cash to save.

PayPoint Systems provides a full range of payment hardware and software for Munster businesses. Options include Clover POS systems (well suited to full-service restaurants and retail along Calumet Avenue and Ridge Road), DejaVoo smart terminals (countertop and wireless, suited to the medical and professional offices in the Calumet Avenue corridor), and mobile payment solutions for Centennial Park and Music Festival vendors. PayPoint also provides e-commerce payment gateways for shops 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. Because we are headquartered right here in Munster, setup and support stay local.