A Chicago practice, serving merchants across the United States

Extreme seasonal cooling demand makes Phoenix HVAC volume among the most seasonal in the country, which is exactly the pattern tha…

California's surcharge position has been through federal litigation and is not settled. For Los Angeles merchants we default to ca…

California's contested surcharge position applies here, so we structure cash discount by default. San Diego's tourism and wellness…

Colorado imposes its own surcharge cap below the card-brand ceiling, so Denver programs have to be built to the state limit. That …

Connecticut has one of the country's clearest statutory surcharge prohibitions. Hartford merchants are served by cash discount or …

A dense professional-services and association market where large commercial card invoices are the norm and Level 2 data capture is…

Florida's surcharge ban was struck down in federal litigation and surcharging is generally treated as permitted, which makes zero-…

High international card volume, which carries higher interchange and a materially different fraud profile from a domestic-only boo…

Substantial home-services and hospitality volume serving a fast-growing residential base, with Florida's permissive surcharge posi…

A major payments-industry hub, which ironically means Atlanta merchants field more processor solicitations and more aggressive tea…

Our home market. Chicago's density of independent restaurants, neighborhood retail and trade contractors means we see more stateme…

A cost-sensitive market with a large trades and light-manufacturing base, where per-transaction economics and field acceptance dom…

A cost-sensitive market with strong trades and independent hospitality, where zero-cost programs are typically well received by cu…

Among the most hospitality-concentrated economies in the country, with heavy bar, restaurant and event volume and the dispute prof…

Maine restricts credit-card surcharging, so zero-cost programs here are built as cash discount. Heavy seasonal hospitality volume …

A dense medical and professional-services corridor, where patient-responsibility balances and card-on-file architecture are the ma…

Massachusetts is one of the few states with a long-standing statutory surcharge prohibition. Boston merchants are served by a cash…

A strong automotive-services and fleet market, where fleet card handling and authorization-to-settlement drift on repair tickets a…

A strong corporate and professional-services base with heavy commercial card usage, where Level 2 data capture is the highest-valu…

A cost-focused market spanning a state line, which occasionally means two different regulatory positions inside one operator's foo…

A cost-sensitive market with strong independent retail and trades, where per-transaction pricing usually matters more than headlin…

Tourism-dominated with heavy hospitality and event volume, and a correspondingly elevated dispute profile on bar, nightclub and tr…

New York imposes specific price-posting requirements that make surcharge disclosure unusually consequential, and enforcement atten…

A banking-sector professional-services market where commercial card payments on large invoices are common and Level 2 data is freq…

A research and professional-services economy with rapid residential growth, producing both commercial card volume and heavy trades…

A significant logistics and retail-operations market with a large student population, which shifts card mix toward debit and small…

A large medical and dental services concentration, where payment plans and card-on-file handling are usually the biggest complianc…

No state sales tax and a very high card-usage rate, which weakens cash-discount economics and makes interchange-plus restructuring…

A dense independent-restaurant and rowhome-trades market, where small-ticket and field acceptance economics dominate the conversat…

An older housing stock supporting steady trades demand, with a growing professional-services layer billing on commercial cards.…

A hospitality- and music-venue-heavy market with substantial bar and nightclub volume, where pre-authorization handling and disput…

A logistics-centered economy with a large convenience and small-ticket retail base, where debit share and per-item economics drive…

Houston's contractor and energy-services base means a high concentration of large-ticket field work and commercial card payments, …

Heavy tourism and hospitality volume with pronounced seasonality, plus a large trade-services base serving rapid residential growt…

A large professional-services and agency market, where the honest ACH-versus-card comparison on big retainers usually saves more t…

A concentration of subscription and e-commerce businesses alongside a dense food-and-beverage scene, meaning recurring-billing hyg…

A strong trades and fleet-services base, where commercial and fleet card handling without Level 2 data is a recurring and expensiv…

An unusually high concentration of direct-to-consumer, supplement and subscription businesses, which means high-risk underwriting …

One of the most card-heavy and cash-light markets in the country, which makes a cash-discount program less effective and a surchar…

A strong independent tavern and neighborhood-retail market, with the pre-authorization and tab-handling issues that come with it.…