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


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, 2026•3 min read

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, 2026•4 min read

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, 2026•4 min read

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, 2025•4 min read

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, 2025•3 min read

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, 2025•4 min read
Why Circle Processing?
Clear answers to help you make confident financial decisions.
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.
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.
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.
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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