Merchant Payment Learning Center
Practical guides for business owners in the United States who accept card payments. Each one explains a single topic in plain language: how dual pricing is displayed and set up, what credit card processing actually costs, how the main pricing models differ, and what to verify with a provider before signing anything. Start with the topic closest to your situation, or estimate your current processing cost with the savings calculator.
Pricing, equipment, eligibility and terms depend on the merchant, the provider, approval and the final written agreement. Cost figures in these guides are labeled examples, not quotes.
Dual Pricing
How a dual pricing program is set up, displayed and explained to customers, plus what it looks like in specific types of business.
How dual pricing works
The review, equipment, signage and receipt steps behind a dual pricing setup.
Dual pricing vs credit card surcharging
Two posted prices versus an amount added at checkout, compared on price display, customer experience and operations.
Dual pricing for restaurants
Menu pricing, counter versus table service, tips, terminals and example cost math.
Dual pricing for retail stores
Shelf labels, POS setup, average ticket, signage and multi-lane considerations.
Dual pricing for auto repair shops
Estimates, invoices, large tickets and talking to customers before payment.
Payment Processing Costs
What card acceptance actually costs, how the cost is built, and how to check the numbers on your own statement.
Understand your merchant statement
Check effective rate, fees and pricing structure before considering a change.
How much do credit card processing fees cost?
Interchange, processor markup, per-transaction and monthly fees, with clearly labeled example math.
Card processing savings calculator
Enter your monthly card volume and current rate for an estimated monthly and annual cost.
Pricing models compared
Dual pricing, flat-rate processing and interchange-plus processing side by side.
Merchant Education
Plain-English answers to the questions US merchants ask before changing payment providers.
Free credit card processing statement review
Calculate your effective rate from statement totals and request a plain-English human review.
Merchant questions and answers
Dual pricing, legality considerations, equipment, setup timing, contracts and fees.
About Onyx Solutions
What the company does, who it serves and how a merchant gets started.
Talk to a payment specialist
Phone line and message form for merchants in the United States.
Industry Guides
Guides written for specific business types, because check size, card mix and price display differ from one industry to the next.
Restaurants and food service
Lower checks, high card share, tips and menu-driven price display.
Retail stores
Shelf pricing, SKU count, multiple lanes and returns.
Auto repair and service shops
Large tickets, written estimates, deposits and remote payment.
Want these numbers run on your own statement?
A specialist will read your current processing statement, calculate your effective rate and explain the options available to your business. Requesting a review does not obligate you to switch providers.
Or call 1-888-563-4869.