Yes—most businesses are. If your effective rate is over 2.5%–3%, you’re likely paying more than necessary. Businesses using Stripe, Square, or software-integrated payments often overpay due to flat-rate pricing and hidden fees.

A way to offset credit card fees. Dual pricing offers one price for cash/debit and a slightly higher price for credit cards, allowing credit card users to cover the processing cost. • Debit cards stay fee-free • Credit card fees are clearly disclosed • Pricing is transparent and compliant • No changes to how you get paid Most customers accept dual pricing without issue.

Yes, in most states. Dual pricing and surcharging are legal when implemented correctly. Debit cards must always be exempt, and proper signage is required.

Check your effective rate. If it’s above industry averages, there’s likely room to save—often without switching software or changing workflows. Ignore the fine print—focus on the totals. Take your total fees and divide them by total monthly volume to find your effective rate. Most statements hide true costs behind confusing line items. Fees most businesses don’t notice. Common examples include: • Non-qualified or downgraded fees • PCI non-compliance fees • Monthly or batch fees • Inflated flat-rate pricing

A review of what you’re actually paying. A rate analysis identifies hidden fees, calculates your effective rate, and shows potential savings—no obligation. Typically 24–48 hours. Most reviews are completed quickly with minimal effort from your team. Request a free rate analysis. https://www.elitepaymentgroup.com/rate-analysis