💳 Decision Packet — Payments

Stripe, Square, or Dedicated?

The fee comparison every San Diego operator gets wrong — and the question to ask before you sign anything.

Decision Packet — Payments

✓ Signal

Volume Threshold

Under $10k/mo: Stripe/Square flat-rate is fine. Over $10k/mo: interchange-plus saves 40–60%.

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Contract Traps

Long-term contracts with early termination fees ($300–$1,200) are never necessary. Walk away.

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Hidden Fee List

PCI compliance fee, gateway fee, statement fee, batch fee. These add $30–$80/mo silently.

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Cash Discount Option

Legal in CA with proper signage. Passes 3–4% to card users. Best for high-ticket services.

🔁 The Loop Fee confusion → packet clarity → right processor

Not sure which way to go?

Text PJ — clarity before cost. Real answer in under 2 minutes.