Oregon Small Businesses Lose $3,000–$15,000 Per Year on Processing Fees
Payment processing fees are a fixed tax on every card transaction your Oregon business accepts. Square, Toast, Clover, Heartland, and SpotOn all run on the same model: a percentage of every transaction goes to processing. Interchange fees, monthly access fees, equipment leases, and PCI compliance fees stack on top. Most Oregon small businesses are paying more than they realize.
A Medford retailer processing $20K/month at 2.7% pays $540/month ($6,480/year) in processing fees. The same business on dual pricing pays $29/month ($348/year). Annual savings: $6,132.
How Dual Pricing Eliminates Fees — Customer Convenience Fee, Business Pays 0%
Dual pricing works by posting prices that already include the cost of card processing. Customers who pay cash receive a small discount. Customers who pay by card pay the posted price, which covers the processing cost. Your processor takes the card surcharge amount, and you keep the same net revenue on every transaction — regardless of payment method.
Oregon's Consumer Protection Act (ORS 646A) permits dual pricing — displaying different prices for cash and card transactions. Oregon has no sales tax, which means dual pricing math is clean and straightforward. Process with Bryant provides all required compliant signage with every Oregon setup.
Oregon-Specific Advantages — No Sales Tax, ORS 646A, Clean Math
Oregon is one of five states with no sales tax. The posted price is the final price — a $10.40 item costs $10.40. Cash customers pay $10.00, card customers pay $10.40. No calculation, no confusion. This makes customer disclosure simpler than in any sales-tax state.
| Monthly Card Volume | Traditional Processor (2.7%) | Dual Pricing ($29/mo) | Annual Savings |
|---|---|---|---|
| $10,000 | $270/mo | $29/mo | $2,892 |
| $20,000 | $540/mo | $29/mo | $6,132 |
| $40,000 | $1,080/mo | $29/mo | $12,612 |
| $60,000 | $1,620/mo | $29/mo | $19,092 |
Oregon Industries That Use Dual Pricing
Dual pricing works across every high-card-volume industry in Oregon — Portland, Salem, Eugene, Bend, Medford, Corvallis, and beyond:
Restaurants
Full-service, fast-casual, and takeout statewide. High card volume, consistent tickets, tip integration. A $40K/mo Oregon restaurant saves $12,612/year.
Retail Shops
Boutiques, hardware stores, sporting goods, gift shops. Countertop terminal shows both prices on customer-facing screen. Oregon retail on $20K/mo saves $6,132/year.
Trades & Contractors
Plumbers, electricians, HVAC, contractors. High average tickets mean higher per-transaction savings. Mobile terminal for on-site payment collection.
Professional Services
Accountants, consultants, attorneys, healthcare. Consistent monthly billing, large ticket sizes. Clean, professional checkout.
Food Trucks & Carts
Oregon food cart culture from Portland pods to Bend festivals. LTE-connected wireless terminal works anywhere — no WiFi dependency.
Salons & Spas
Hair, nails, massage, esthetics statewide. Appointment-based with consistent ticket sizes. Integrated tip prompting, works alongside booking software.
Free POS Hardware — Clover, Dejavoo, Standalone Terminals
Process with Bryant deploys pre-configured hardware across three terminal families:
- Clover — Full POS system for restaurants and retail. Customer-facing screen shows posted price and cash discount simultaneously.
- Dejavoo — Mid-size countertop terminal with dual pricing built into firmware. Common in Oregon retail and professional services.
- Standalone wireless terminals — LTE-connected for mobile use. Ideal for food trucks, contractors, and any Oregon business that takes payment away from a fixed counter.
Oregon businesses processing $10,000/month or more in card volume qualify for free POS hardware. Most Oregon restaurants, retailers, contractors, and service businesses meet this threshold. Use the savings calculator to run your numbers, then contact Bryant to confirm qualification.
Local Service — Bryant Serves All of Oregon, Not Just Portland
Process with Bryant is a local Oregon merchant services operation. Bryant personally handles every account — setup, installation, training, and ongoing support — across all of Oregon: Portland, Salem, Eugene, Bend, Medford, Corvallis, Ashland, and everywhere in between. There is no call center. There is no ticket queue. Bryant is the contact.
Bryant serves all Oregon ZIP codes — Willamette Valley, Southern Oregon, the Oregon Coast, Central Oregon, Eastern Oregon. Same service, same pricing, same local support wherever your business is located. No travel fees, no regional minimums.
Get Your Free Oregon Payment Processing Analysis
Drop your info below — Bryant will review your current processing setup and send you a clear savings breakdown within 24 hours. No obligation, no contracts. Serves all Oregon businesses.
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We'll review your processing setup and send you a clear breakdown of what you're paying now vs. what you could be paying with dual pricing.