PCI Compliance for Small Business: What You File and What You Pay
Most small businesses are Level 4 merchants and file one short SAQ a year. What that covers, why your processor bills a PCI fee, and how to get it removed.
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Cash discounting, dual pricing and surcharging: what the card brands require, what state law says, and where the difference matters.
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Dual Pricing Credit Card Terminal: How to Choose Hardware That Actually Works
A dual pricing terminal shows a cash price and a card price before the customer pays. The device matters less than the configuration: the same hardware can run a compliant cash discount or an unregistered surcharge.
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Visa Cash Discount Rules: What the Card Brands Actually Require
Visa puts no cap on a cash discount, but if your terminal adds a fee instead of subtracting a discount it is a surcharge. What the card brands require on signage, receipts and terminal setup, plus a checklist for your own store.
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Cash Discount vs. Surcharge: Which Makes More Sense for Your Business in 2026?
Cash discounting carries no network cap and works in all 50 states. Surcharging is capped at 3%, barred on debit, and needs 30 days notice. Here is how the two models actually differ, and which one fits your business.
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Is Dual Pricing Legal in Texas? Cash Discounts, Surcharges, and the Rules That Actually Apply
Cash discounting and dual pricing are legal in Texas. Surcharging sits in a gray area after Rowell v. Paxton. Here's the difference, why it matters, and what the card networks require.
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