Credit card processing costs continue to rise, putting pressure on small and mid-sized businesses across all industries. In this session, Ray Dukes, payments consultant and founder of The Merchant Broker, will break down credit card surcharging—what it is, how it works, and when it is (and is not) an appropriate strategy for businesses.

Attendees will gain a clear understanding of:

• What surcharging is and how it differs from cash discounting and convenience fees

• The card brand rules and compliance requirements businesses must follow

• Which types of businesses are best suited for surcharging

• Common mistakes to avoid when implementing a surcharge program

• How surcharging can impact cash flow, pricing strategy, and customer experience

This educational session is designed to help business owners and decision-makers make informed choices about managing payment acceptance costs while remaining compliant and transparent with customers.

Ray Dukes' Bio
Ray Dukes is an Air Force Veteran and after 10 years of working alongside some incredible Airmen, he joined First Data Corp (Now Fiserv Inc) in 2007 supporting the commercial banking division of SunTrust Bank here in Atlanta. After 8 very successful years at First Data/SunTrust, Ray spent a couple of years at American Express. After leaving American Express, he worked as an independent Senior Card Payments Consultant partnering with multiple ISO and ISV’s to serve business clients and their merchant services needs.
 
Outside of attending payment shows and industry conferences, Ray enjoys spending time with family, weekly sports events with his daughter, traveling internationally, staying active outside, and being involved in community service.