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Paul Smith

Founder

Works on the payments and collections engine — idempotency, webhooks, and the parts that must never lose a cent.

2 posts

A shop counter with clear signage showing that cash and card prices differ
Dual pricingCompliance12 min read

Is dual pricing legal?

Yes, in most states, for most businesses, when it's disclosed properly — and 'properly' is doing a lot of work in that sentence. Dual pricing vs surcharging vs cash discount, what the card networks require, and what compliant disclosure looks like at your counter.

Paul Smith · Jul 27, 2026
Three processing quotes laid side by side, each showing a different headline rate
InterchangeProcessing costs10 min read

Why every processor quotes you the same rate

Interchange is set by the card brands, not by your processor — so the quote isn't where the difference lives. Why the unsustainable quote exists, what genuinely varies between processors, and the three questions a rate sheet can't dress up.

Paul Smith · Jul 27, 2026