Zero‑Fee processing for Coral Gables merchants
Pass the small processing fee to your customers — keep 100% of every sale. Fully compliant dual‑pricing or surcharge programs, set up by a real Miami‑Dade payments team.
- Customers cover the processing fee at checkout — fully compliant
- Keep your Clover, Square or terminal — same hardware, new economics
- Free statement review — see your real cost in plain English
Get my free rate analysis
Share a few details and we’ll send a side‑by‑side savings breakdown using your latest statement.
Coral Gables merchants on Miracle Mile and around Merrick Park sit in a unique spot for surcharging: the customer base is largely affluent, repeat, and high‑AOV — exactly the cardholders most likely to swipe AMEX or Visa Infinite and stick the merchant with 2.9%+ interchange. Dual pricing here works better than a flat surcharge because the optics matter — a Miracle Mile boutique posting "cash price / card price" reads as transparent, not punitive. Florida’s 2023 surcharge update made registration with Visa/Mastercard mandatory for compliant programs; we handle the filing and supply the signage in the typeface and tone Gables zoning code will actually approve (it cares). For Granada and Riviera professional services — law offices, dental, accounting — that bill $1,000+ tickets, we typically run a 3% flat compliant surcharge on credit only, debit unchanged, which keeps recurring clients on ACH and walk‑ins covering the credit fee.
See exactly what you’re really paying.
Three simple, no‑pressure steps. We do the math, you decide if switching makes sense.
1 · Free statement review
Send your latest processing statement. A real human reviews every line item — including the buried fees most processors don’t explain.
2 · Zero‑Fee vs. today, side by side
A plain‑language comparison of what you net today vs. with a Zero‑Fee or dual‑pricing program. Most merchants keep $300–$700/mo more.
3 · You decide
If Zero‑Fee makes sense for your customer base, we set it up — receipts, signage, staff training included. If it doesn’t, we’ll tell you straight.
Built for the way you actually run your business.
Customer covers the fee — you net 100%
A small, disclosed service fee on credit transactions covers the processing cost. You stop subsidizing card‑network fees out of your margin.
Keep your hardware, change the back end
We don’t replace what works. Your Clover, Square, or counter terminal stays — only the processing changes.
Local team picks up the phone
When something breaks, you call a person — usually one you’ve met in Coral Gables. Not a generic offshore call center.
Tools for every way you take payments.
Countertop & in‑store
Modern terminals, inventory tools, and receipts that keep lines moving, free installation on most setups.
Mobile & handheld
Take payments tableside, curbside, or in the field with compact wireless terminals.
Online & invoicing
Branded checkout, recurring billing, and one‑click invoices on your domain.
Self‑checkout kiosks
Faster self‑service ordering during your busiest hours, without adding more staff.
In their own words.
“In‑person transactions are fast and reliable, reconciliation is clean, and our overall processing costs dropped.”
“They redesigned our entire payment flow. Reduced costs, eliminated inefficiencies, and handled volume spikes without issues.”
“Proper Solutions completely changed the way we handle payments at Bulgaryo Miami. They lowered our processing costs, improved our checkout experience, and are always available when we need support.”
You asked, we answered.
Yes — credit‑card surcharging is legal in Florida when the fee is disclosed at the point of sale. We handle all signage, receipt language, and Visa/Mastercard registration so you stay compliant.
Less than you’d expect when it’s disclosed clearly. Most merchants we set up see less than a 2% drop in card volume — easily covered by the fees they no longer pay.
Yes. Dual pricing shows two prices — cash and card — so customers see the choice up front. We’ll recommend whichever fits your customer base better.
Yes — we work with merchants across Coral Gables and the rest of Miami‑Dade, including Miracle Mile, Merrick Park, Granada. Our team is local; we set up on site when it helps.