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Explore articles, tips, and strategies to help you make confident money decisions at every stage of life.

Merchant Cash Advance Explained: Pros, Cons & Better Alternatives

Merchant Cash Advance Explained: Pros, Cons & Better Alternatives

Merchant cash advance explained clearly. Learn how MCAs work, repayment risks, true costs, and smarter funding alternatives for growing businesses. ...more

Fee Elimination & Pricing Psychology

January 14, 20263 min read

Cash Discount vs Surcharging: Which Pricing Model Is Right for Your Business?

Cash Discount vs Surcharging: Which Pricing Model Is Right for Your Business?

Compare cash discount vs surcharging. Learn the legal differences, compliance risks, cost savings, and which pricing model is best for your business. ...more

Fee Elimination & Pricing Psychology

January 07, 20264 min read

Florida Merchant Laws 2025: The Local Compliance Playbook | Circle Processing

Florida Merchant Laws 2025: The Local Compliance Playbook | Circle Processing

Is surcharging legal in Florida in 2025? We break down Statute 501.0117, the 11th Circuit ruling, and how Fort Myers businesses can compliant eliminate fees. ...more

Fee Elimination & Pricing Psychology

January 04, 20264 min read

What Is Dual Pricing? How It Saves Businesses Money

What Is Dual Pricing? How It Saves Businesses Money

Learn what dual pricing is, how it works, whether it’s legal, and how businesses reduce credit card processing fees with transparent, compliant pricing models. ...more

Fee Elimination & Pricing Psychology

December 30, 20254 min read

The Hidden Cost of "Flat Rate" Aggregators | Circle Processing

The Hidden Cost of "Flat Rate" Aggregators | Circle Processing

Using Stripe, Square, or PayPal? You might be overpaying. Discover the hidden costs of flat-rate processing and the risk of account freezes for growing businesses. ...more

Fee Elimination & Pricing Psychology

December 28, 20253 min read

Surcharging in Heavy Industry: The B2B Standard | Circle Processing

Surcharging in Heavy Industry: The B2B Standard | Circle Processing

Processing $50k invoices? Stop losing margin to fees. Learn the B2B standards for surcharging and Level 3 Processing to recover revenue in manufacturing and wholesale. ...more

Fee Elimination & Pricing Psychology

December 21, 20254 min read

Why Circle Processing?

Frequently Asked Questions

Clear answers to help you make confident financial decisions.

Q: What is the main difference between Dual Pricing, Cash Discount, and Surcharging?

The main difference is how the price is presented to the customer. Dual Pricing shows two prices upfront (e.g., $10 cash / $10.40 card). A Cash Discount shows one higher price and automatically applies a discount if the customer pays with cash. Surcharging shows one price and adds a fee at the end only for credit card transactions. Our experts can help you choose the best fit for your business.

Q: Are these fee-elimination programs legal?

Yes. Cash Discount and Dual Pricing programs are legal in all 50 states when implemented correctly with transparent signage, which we provide. Credit card surcharging is also legal in most states, but is prohibited in a few, such as Connecticut and Massachusetts. We are compliance experts and will ensure your business always operates within the rules.

Q: Which Clover device is right for my business?

It depends on your needs. The Clover Station Duo is perfect for high-volume countertops with its dual screens. The Clover Flex is a powerful handheld device ideal for restaurants and mobile payments. The Clover Mini is a compact, all-in-one solution for smaller spaces. We can help you select the perfect hardware during your free consultation.

Q: What makes Circle Processing different from other Clover resellers?

Our focus is on being your profitability partner, not just a hardware vendor. Our core expertise is in the complex, compliant implementation of fee-elimination programs. We combine that with transparent pricing, no long-term contracts, and dedicated, 24/7 U.S.-based support to help your business thrive.

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