Merchant services in New York, NY

New York requires that the total price a credit-card customer will pay be posted, not merely the surcharge percentage — a dollars-and-cents standard rather than a disclosure-of-difference standard. Programs built for other states routinely fail this test, which is why we default New York merchants to cash discount. This state is generally reported as restricting or prohibiting credit-card surcharging. That does not mean you are stuck with the cost: a properly structured cash-discount program posts a single price with a discount for cash and carries a different set of obligations. We build the cash-discount route here rather than a surcharge. That is our working reading as of August 2026, not legal advice — we verify the current position as part of every engagement, because this area of state law has moved repeatedly through litigation.

In New York we would structure it as a cash discount program. The cost of acceptance is presented to the cardholder rather than absorbed by you, within the card-brand ceiling and never on debit or prepaid cards. We install the disclosure, signage and receipt logic as part of the work, because that is where most zero-cost programs fail.

No — we are a Chicago practice, and we say so plainly rather than pretending to a local office. We work with merchants across the United States, and every engagement runs identically regardless of geography: statements in, arithmetic out, in writing. All of our software is designed and built in Chicago by our own team.

Send your three most recent merchant statements. We derive your effective rate, isolate the transactions that downgraded, and separate interchange and assessments — which are fixed for every processor — from the processor margin that is actually negotiable. It costs nothing, and if you are already priced competitively we will tell you that.

Yes. High-risk placement is underwriting work rather than rate shopping: we build the file against the acquirer's specific objection, negotiate reserve percentage and release schedule before signature, and set up redundant acquiring so a single category policy change does not stop your settlement.