Credit Card Processing & Merchant Services in Northwest Indiana

If you run a business anywhere in the Region, from Crown Point and Merrillville to Hammond, Gary, and Valparaiso, 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 headquartered in Munster with a 219 area code, and we help NWI owners keep more of every sale with compliant dual pricing across all of Lake and Porter County.

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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 NWI team can.

Why Northwest Indiana 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 holding the NWI map pack, First Merchants and Centier among them, 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 for the whole Region, and we will show you whether surcharging is legal in Indiana for your business before you change a thing.

See How Dual Pricing Works

Local Credit Card Processing Across Northwest Indiana

Northwest Indiana is a cluster of distinct business communities, each with its own main streets, corridors, and customers. We build payment setups around how merchants in your specific city actually take money. Choose your community below to see how dual pricing fits local businesses near you.

Northwest Indiana main-street business district served by PayPoint Systems

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Crown Point

The seat of Lake County, full of Courthouse Square independents and US-231 service businesses where the rate matters most. Credit card processing in Crown Point, IN.

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Merrillville

The commercial heart of the Region along the US-30 and Southlake Mall corridor, where high retail and restaurant volume makes processing cost add up fast. Credit card processing in Merrillville, IN.

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Schererville

A retail and dining hub along US-30 and US-41 with busy boutiques and full-service restaurants that keep more on every card sale with dual pricing. Credit card processing in Schererville, IN.

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Hammond

The largest city in Lake County, with a dense base of restaurants, retail, and service shops near the Indianapolis Boulevard corridor and the state line. Credit card processing in Hammond, IN.

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Gary

Hospitality, food service, and event venues near the Indiana Toll Road and the lakefront where keeping margin on every card sale matters. Credit card processing in Gary, IN.

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Valparaiso

The Porter County seat with a thriving downtown square, university trade, and professional offices that take larger card payments. Credit card processing in Valparaiso, IN.

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Highland

A Lake County retail and service community along the Indianapolis Boulevard and Highway Avenue corridors, minutes from the PayPoint office in neighboring Munster. Credit card processing in Highland, IN.

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Munster

Home of the PayPoint office, an affluent Lake County community of medical, professional, and retail businesses along the Ridge Road and Calumet Avenue corridors. Credit card processing in Munster, IN.

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Portage

Porter County's largest city along the US-20 and Willowcreek corridors, a working base of retail, service, and industrial businesses near the Port of Indiana. Credit card processing in Portage, IN.

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Chesterton

The Duneland gateway to Indiana Dunes National Park, with a downtown of boutiques, antique shops, and restaurants that see seasonal card volume. Credit card processing in Chesterton, IN.

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 across the Region 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 Northwest Indiana owners would rather shake a hand than fill out a form, so we come to you anywhere in the Region and start with a clear look at your real numbers.

PayPoint Systems rep reviewing a processing statement with a Northwest Indiana 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 Northwest Indiana 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 communities it serves across all of Northwest Indiana, from the Lake County corridor to the Porter County line.

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 from Munster, with live support and in-person service. Not a call center.

Northwest Indiana Credit Card Processing FAQ

Clear answers to what NWI 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. This holds across every Northwest Indiana community we serve, from Lake County to Porter County.

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 NWI drivers already see at the gas pump.

Can a Northwest Indiana 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.

Which Northwest Indiana areas does PayPoint serve?+

We serve businesses across all of Northwest Indiana, including Lake County (Crown Point, Merrillville, Schererville, Hammond, Gary, Highland, Munster, St. John, Cedar Lake) and Porter County (Valparaiso, Portage, Chesterton). Our office is in Munster and our team carries a 219 area code, so wherever you are in the Region, you have a local provider, not a call center two states away.

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 or your Monday service calls anywhere from the Indiana Toll Road to the US-30 corridor.

Which POS systems do you support across Northwest Indiana?+

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 Northwest Indiana 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 anywhere in the Region? Just say so.