Credit Card Processing & Merchant Services in Portage, 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 excluded states 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 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, merchants implement dual pricing, which complies with all card network rules and tends to have friendlier customer reception than a surcharge. RewardPay Choice is PayPoint's surcharging option for merchants who prefer that model. Both can eliminate or significantly reduce your monthly processing costs.

Standard credit card processing fees in Indiana, and nationwide, generally run from about 1.5 to 3.5 percent per transaction, or roughly 1.50 to 3.50 dollars on a 100 dollar sale, depending on card type, brand, and how the card is accepted. Reward and business cards sit at the higher end, and on top of interchange the processor adds its own markup and monthly fees. A Portage business processing 40,000 dollars a month in card volume at an effective 2.8 percent loses about 1,120 dollars every month, over 13,000 dollars a year. A free statement review from PayPoint Systems shows your exact all-in rate and what a dual pricing program would save. We do not quote specific savings without reviewing your actual statement.

Most customers are already familiar with cash versus card pricing. The gas stations along US-20 have used this model for decades, and it is now common at restaurants, auto shops, contractors, and retailers across Northwest Indiana. Proper signage at the point of entry and point of sale is required by network rules and is included in PayPoint's program setup. Merchants across Porter County report that the large majority of cardholders simply pay the card price without issue, and a minority pay cash to save. The key is transparent disclosure: customers see both prices upfront and make their own choice.

PayPoint Systems provides a full range of payment hardware and software for Portage businesses. Options include Clover POS systems (well suited to fast-casual restaurants, retailers, and service counters near the Willowcreek Road and I-94 corridor), DejaVoo smart terminals (countertop and wireless, ideal for contractors, auto shops, and trades across the Port of Indiana corridor), and mobile payment solutions for job-site, seasonal, and event-based businesses, including those near Portage Lakefront and Riverwalk. 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.

Yes. Portage is Porter County's largest city and an industrial-services hub, and PayPoint serves the full range of its trade and service businesses: contractors, auto repair and body shops, fabricators, suppliers, and home-services firms working the Port of Indiana and US-20 corridors. These businesses often run higher average tickets and larger invoices, which is exactly where dual pricing delivers the most savings. Mobile and wireless terminals support payments taken on the job site, not just at a counter. Contact PayPoint for a free statement review tailored to your volume and ticket size, and we will show you the real numbers before you change a thing.