Credit card processing costs for businesses typically range from 1.5% to 3.5% per transaction, depending on your pricing structure (flat rate, tiered, or interchange-plus), card mix, and processor. Most businesses processing $25,000 or more per month save between $400 and $900 monthly by switching from tiered or flat-rate pricing to interchange-plus, or by implementing a dual pricing program. A free statement review tells you exactly where you stand in 24 hours.

Dual pricing is when a business displays both a cash price and a card price for products and services. Yes, dual pricing is legal in all 50 states, including. It is a fully compliant alternative to a credit card surcharge program and works for businesses of every size from food trucks to multi-location retail. Customers always have the choice.

Businesses can lower credit card processing fees by (1) switching from tiered or flat-rate to interchange-plus pricing, (2) implementing a dual pricing or cash discount program, (3) choosing the right POS system for your transaction profile, and (4) auditing your merchant statement for hidden fees, padded markups, and unused services. A free statement review identifies exactly where you are overpaying.

A cash discount program offers customers a discount for paying with cash, while a credit card surcharge program adds an extra fee for paying with a credit card. Both help businesses offset processing costs, but cash discount programs and dual pricing are legal in all 50 states including New york, while surcharge programs have stricter state-by-state rules. For most merchants, dual pricing is the safest path.

Yes. Through our dual pricing and cash discount programs, businesses can achieve effectively zero cost credit card processing by passing the processing cost to customers who choose to pay with a card. This is fully compliant and customer-friendly when implemented correctly your customers always see both prices and choose how to pay.

The best POS system depends on your industry. Restaurants often use Toast or SkyTab, retail stores use Clover, and service businesses use mobile credit card processing with tap to pay. We help businesses match the right POS system to their workflow, with options for contactless payment, mobile readers, and full eCommerce integration.

Never. 82 Payment Solutions offers no-contract merchant services for business owners. You stay because the service works, not because you are locked in. Transparent pricing, no hidden fees, no termination penalties.

Switching credit card processors is simple with us. We handle the whole process: a free statement review, migration of your merchant account, setup of your new POS system, and staff training. Most businesses are approved and processing within 2 to 5 business days with no interruption to sales.