Credit Card Processing & Merchant Services in Schererville, Indiana

Yes. Indiana is a fully dual pricing eligible state, and Lake County, where Schererville sits, has no additional municipal restrictions. Dual pricing is legal when implemented following card brand guidelines: both prices must be displayed to the customer before the transaction, and the card price differential cannot exceed 3 percent or your actual cost of acceptance, whichever is lower. The Durbin Amendment provides the legal basis for cash discount programs. PayPoint Systems handles all required signage and POS configuration so your business stays compliant from day one.

Dual pricing posts two prices at the point of sale, a cash price and a card price, and the customer chooses. Surcharging instead adds a fee only to credit card transactions on top of one posted price. For most Schererville restaurants and retailers, dual pricing through our ConsumerChoice program is the preferred model because it covers the cost of acceptance and tends to have better customer acceptance, since the customer sees both prices upfront. Surcharging through RewardPay Choice works better for service businesses and B2B invoicing. Indiana permits both. Learn whether surcharging is legal in Indiana on our dedicated page.

Customer acceptance depends almost entirely on how clearly the pricing is presented. When both prices appear on the POS screen before the customer confirms, with clear cash price and card price labels, most customers accept it readily because it mirrors what they have seen at the gas pump for forty years. We configure your terminal to show both prices automatically so there is never an awkward moment at the register. Customers who pay cash receive the lower price, and those who prefer card pay the card price. No surprises, no confusion.

It depends on your current rate, monthly card volume, and average ticket, so there is no single figure and we will not invent one. The honest way to find out is a free statement review: we read your current processing statement and show you a side-by-side comparison before you commit to anything. Under a properly configured ConsumerChoice program, card-paying customers cover the cost of acceptance and your processing expense drops toward a low flat monthly program fee. Request yours at our free rate analysis page.

Yes. We deploy Clover POS systems and DejaVoo smart terminals, both of which support dual pricing display natively and calculate the cash and card price automatically. We also offer and support Square, so you can keep the checkout you prefer, and for built-in compliant dual pricing, Clover and DejaVoo calculate it natively. Switching through PayPoint is straightforward: we handle setup, configuration, and staff training, and for most Schererville merchants go-live takes less than a week.

Banks in Schererville, including Chase and First Merchants, offer merchant services as a convenience product tied to your business checking account. They typically use bundled or tiered pricing with markups above interchange, and they cannot legally promote dual pricing the way an independent provider can. Their support is national call-center based. PayPoint Systems is an independent Northwest Indiana company with a 219 area code, reachable at (219) 699-8306, and direct access to your account team. For merchants who want to eliminate rather than just reduce processing costs, a local ISO running ConsumerChoice or RewardPay Choice is the structurally better fit.