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Houston is home. From Gulf Coast seafood houses to Dallas retail and Austin trailers, we install and support POS systems and merchant processing across Texas, and we will give you a straight answer on the card fee question.
More Texas operators call us about card fees than about hardware, and the confusion is legitimate. Texas has a statute on the books prohibiting credit card surcharges, and a federal court has held that statute unconstitutional as applied to merchants. Two true things pointing in opposite directions.
What that means practically is in the next section. What it means commercially is that Texas restaurants have spent years leaving a compliant, well-understood option on the table because nobody sat down and explained it.
Past that, Texas is really five markets: Houston’s Gulf Coast seafood and international corridors, the suburban retail and full-service dining of Dallas–Fort Worth, San Antonio’s tourist volume, Austin’s trailers and bars, and the high-count convenience business along the border.
Texas at a glance
Short version: a properly built cash discount or dual pricing program is the route Texas merchants use, and it does not depend on how the surcharge dispute is finally resolved.
The rules, in short
Last reviewed 1 September 2026. Card fee law changes, and this is general information about how we configure systems, not legal advice. Confirm your position with your attorney before launching a program.
We would rather set you up on a structure that does not depend on how an appeal turns out. Dual pricing is that structure, and it is the one we build for Texas operators by default.
We support and process on all three. Which one fits depends on your service style, your menu, and how many locations you run.
Handhelds earn their keep in high-turn Tex-Mex and barbecue rooms where the ticket gets settled at the table.
Fast to deploy for trailers, pop-ups and multi-unit coffee, which is a large share of the Austin and Houston mobile business.
Dual pricing is built in, which is the feature most Texas operators are actually calling about.
On-site and remote install and support across the state. If your town is not on this list, it does not mean we cannot get to you.
In practice, yes, through a cash discount or dual pricing program. The state statute banning surcharges has been held unconstitutional as applied to merchants, but rather than rely on that, most Texas businesses use dual pricing, which posts a card price and a lower cash price and never meets the definition of a surcharge.
A surcharge starts from the cash price and adds a fee at checkout. A cash discount starts from the card price as the listed price and takes money off for cash. The customer often pays the same either way, but only one of the two runs into the Texas statute.
The card networks require written notice before a merchant begins surcharging, and your processor normally files it. Cash discount programs carry lighter requirements but still need clear signage at the point of sale and a receipt that shows the customer what they paid.
Our direct line is a Houston number and we work the Houston metro directly. Dallas–Fort Worth, San Antonio, Austin and El Paso are covered with a mix of on-site and remote install depending on the scope of the job.
6.25% state, plus local rates up to 2%, for a maximum of 8.25%. Mixed beverage taxes are separate and have to be configured as their own item class, which is the piece generic POS setups most often get wrong.
The card fee rules and the hardware answer both change by state. These go into detail for Texas specifically.
Whether you have a question or you are ready to switch, we will walk you through pricing, hardware and setup. No pressure.
