Credit card processingfrom someone you can call.

We start with a conversation about how you take payments, roughly what you run in a month, and what's bothering you about your current setup. That's usually enough for me to tell you whether there's anything worth chasing.

If there is, a recent statement gets us to exact numbers and I'll model your business under each pricing structure. If switching makes sense, I handle the application, the equipment setup, and staff training. If it doesn't, I'll tell you that and you've lost nothing but a cup of coffee.

Two prices are displayed at the register. A cash price and a card price. The cost of accepting the card is carried in the card price, so instead of paying a percentage of every sale, you pay one flat program fee each month.

Customers who pay cash pay the lower price. Customers who pay by card pay the posted card price, the same way they already do at gas stations.

This is the fear I hear most, and it comes down to how it's presented. Signage at the door and at the register, a clear price on the receipt, and a staff that can explain it in one sentence covers almost every situation.

Dual pricing has been common in fuel, convenience, and quick service for years, so most customers recognize the format. I set the signage and the wording up with you before you go live.

Credit card surcharging is still allowed. Debit card surcharging is not. Act 751 took effect on August 1, 2026 and prohibits adding a fee because a customer paid by debit.

On top of the state law, the card brands set their own requirements for disclosure, receipt language, eligible card types, and fee caps. Getting all of it right is the whole job, and I go through the requirements that apply to your program before anything goes live.

Possibly. If your program adds a fee to credit cards only, and your equipment reliably keeps debit out of it, you may be fine. If your terminal treats every card the same way, you may be surcharging debit without intending to, which Act 751 no longer allows.

It takes a short look at your configuration to know which situation you're in. That's worth doing sooner rather than after a customer sends written notice.

Under the dual pricing program, the flat monthly program fee is $20. That's the number the calculator on this page uses.

Depending on your setup there can be other line items. Equipment, gateway access, and card brand pass-throughs are the usual ones. I'd rather show you every line before you sign than have you discover one on your first statement, so ask me and I'll lay them all out.

Sometimes it isn't, and I'll say so. At lower volumes the flat program fee can be close to what you're already paying in percentage fees, and the savings get thin.

That's exactly why the calculator switches to a "let's run your real numbers" message instead of showing you a made-up figure. Small merchants often do better on a different structure, and picking the right one is the point.

Not always. Some terminals can be reprogrammed and some can't, depending on the model and who it's locked to. Tell me what's sitting on your counter and I'll check before we go any further.

If new equipment is the right call, we match it to how you sell: a countertop system for a busy retail floor, a handheld for service calls and markets, a virtual terminal for phone and online orders.

Me. The same person who set you up is the person who answers, at (337) 540-5388. You're not opening a ticket and waiting for a callback from a support queue that's never heard of your business.

Because you'll see all five structures side by side against your own numbers before you choose. Dual pricing, cash discounting, surcharge, interchange, and flat rate each win in different situations, and I've been doing this for 21 years in a town small enough that a bad fit comes back to me.

Lake Charles and Southwest Louisiana are home, and being close enough to walk into a merchant's store is a real advantage. But I work with businesses beyond the area too, including ones that never see a customer in person and take everything online or over the phone.