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Is it Legal to Pass on Credit Card Fees to Customers?

Is it Legal to Pass on Credit Card Fees to Customers?

by Dale Erling | Oct 22, 2025 | Small Business Payments & Operations

By Dale Erling 15+ Year Payments & fintech experience | Updated March 2026 | 12-15 Minute read Executive Summary Credit card processing fees are eating into small business margins more than ever. In 2026, the average small business pays somewhere between 2.5% and...
Is Surcharging Right for Used Car Sales?

Is Surcharging Right for Used Car Sales?

by Dale Erling | Aug 10, 2025 | Payment Processing

Introduction In the world of used car sales, card transaction fees can be a constant concern for dealership management. Major card networks (Visa, Mastercard, etc.) charge non-negotiable processing fees for every card transaction. Did you know that your margins are...
The Complete Guide to Dual Pricing: How Smart Businesses Save on Credit Card Fees While Giving Customers Choices

The Complete Guide to Dual Pricing: How Smart Businesses Save on Credit Card Fees While Giving Customers Choices

by Dale Erling | Jun 18, 2025 | Fee-Based Models

What is Dual Pricing? Dual pricing is a payment strategy where businesses display two prices: a higher advertised price that includes credit card processing fees, and a lower cash price that excludes these fees. This approach helps businesses reduce their...
Surcharging Vs Dual Pricing- What Business Owners Need to Know (2025)

Surcharging Vs Dual Pricing- What Business Owners Need to Know (2025)

by Dale Erling | Dec 2, 2024 | Fee Based Models

Updated December 2025 With processing costs rising, many businesses are considering surcharging and dual pricing to offset credit card fees to protect shrinking margins. The challenge is doing it in a way that complies with card‑brand rules, evolving state laws, and...

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