# Lone Star Payments > Dallas / Ft. Worth, Texas merchant services: payment processing, POS systems (Clover, Shift4Dine, LINGA, KORONA), compliant dual pricing, PCI security, high-risk merchant accounts, and same day funding for businesses across Texas and the United States. Call (214) 838-1818. ## Main pages - [Home](/index.html): Merchant services and payment processing in Dallas / Ft. Worth, TX. - [About](/about.html): Lone Star Payments is a Dallas / Ft. Worth-based merchant services company serving Texas and beyond: POS, dual pricing, same day fun - [Partner Program](/partners.html): ISO agent program with transparent residuals. - [Contact](/contact.html): Reach the Dallas / Ft. Worth team — (214) 838-1818, info@lonestarpayment.com. - [Solution Finder Quiz](/quiz.html): 60-second quiz matching businesses to payment solutions. - [Service Areas](/service-areas.html): 25 Texas cities served. - [Resources](/resources.html): Guides on processing costs, dual pricing, PCI, POS, and more. ## Guides (in-depth, 2,000+ words each) - [ACH vs. Credit Cards for Invoices: Which Should Your Business Push?](/ach-vs-credit-cards-invoicing.html): ACH vs credit card for invoices: on a $5,000 invoice, ACH costs ~$5 while a card costs ~$150. When to push each, the risks, and th - [Are 'Free' POS Systems Actually Free? What the Fine Print Says](/are-free-pos-systems-really-free.html): The free POS system catch: how zero-cost hardware gets funded through rates, leases, and contracts — plus the math to tell a fair - [Chargebacks: Why You Lose Them and How to Win (or Prevent) Them](/chargebacks-guide-small-business.html): How to fight chargebacks and win: the dispute lifecycle, reason codes, evidence that wins representments, and prevention that keep - [How Much Should Credit Card Processing Cost? Real Numbers for 2026](/credit-card-processing-fees-explained.html): What credit card processing should cost in 2026: average fees of 2.5%–3.5% all-in, which fees are negotiable, and how Texas mercha - [Dual Pricing vs. Surcharging vs. Cash Discounts: What's Legal and What Actually Saves You Money](/dual-pricing-vs-surcharging-vs-cash-discount.html): Dual pricing vs surcharging vs cash discounts: what each one legally is, the card-brand rules that trip merchants up, and which pr - [The EMV Liability Shift: Why Old Terminals Cost You Real Money](/emv-liability-shift-upgrade-hardware.html): EMV liability shift explained: who eats counterfeit fraud, what old swipe terminals really cost in downgrades and lost sales, and - [High-Risk Merchant Accounts: What That Label Means and What to Do About It](/high-risk-merchant-account-guide.html): What a high risk merchant account means: why businesses get the label, how underwriting and reserves work, real pricing, and how t - [How to Accept Payments Online: Gateways, Checkouts, and Costs Explained](/how-to-accept-payments-online.html): How to accept payments online: merchant accounts, gateways like NMI and Authorize.net, hosted vs embedded checkout, real card-not- - [How to Choose a Restaurant POS in 2026 (Without Regretting It by 2027)](/how-to-choose-restaurant-pos.html): How to choose restaurant POS software that fits your concept: features by service style, integration checklist, true cost of owner - [How to Read Your Merchant Statement (and Spot the Junk Fees)](/how-to-read-your-merchant-statement.html): How to read a merchant statement section by section: compute your effective rate, decode interchange detail, spot downgrades, and - [How to Switch Payment Processors Without Downtime (Step by Step)](/how-to-switch-payment-processors.html): How to switch payment processors without downtime: the pre-switch audit, a 10-step migration plan, token portability, and the over - [12 Ways to Lower Your Credit Card Processing Fees Without Switching Processors](/lower-credit-card-processing-fees.html): Lower credit card processing fees 0.3%–1.2% of volume without switching processors: 12 tactics — fix downgrades, cut junk fees, du - [Before You Sign: 9 Red Flags in Merchant Processing Agreements](/merchant-agreement-red-flags.html): The biggest merchant agreement red flags — auto-renewals, termination fees, non-cancellable equipment leases — and how to negotiat - [Taking Payments in the Field: Mobile Processing for Service Businesses](/mobile-payments-field-service.html): Mobile card payments for field service crews: tap-to-pay, Clover Go readers, text-to-pay, offline mode, and real per-tech cost mat - [PCI Compliance for Small Businesses: What It Is, What It Costs to Ignore](/pci-compliance-small-business-guide.html): PCI compliance for small business, in plain English: which SAQ applies to you, what the annual questionnaire involves, and what ig - [Retail POS and Inventory: How to Pick a System That Knows What's on Your Shelves](/retail-pos-inventory-guide.html): A retail POS inventory system guide: matrix inventory, barcode workflows, reorder points, omnichannel sync, and which platform fit - [Same Day Funding: How It Works and Who Really Offers It](/same-day-funding-how-it-works.html): Same day funding merchant services explained: how card settlement works, batch cutoffs, funding windows, weekend reality, and the - [Can You Surcharge in Texas? Card Fee Rules for Texas Merchants](/texas-surcharge-laws-dual-pricing.html): Texas credit card surcharge law explained: what §339.001 says, why it went unenforced, card-brand rules that still apply, and the - [Tokenization and P2PE: How Modern Payments Keep Card Data Safe](/tokenization-p2pe-explained.html): Tokenization vs encryption payments guide: how tokens and P2PE protect card data, shrink PCI scope, and what a breach really costs - [What Is Interchange? The Fee Behind Every Card Swipe, Explained](/what-is-interchange.html): What is an interchange fee? The wholesale cost behind every card swipe, paid to the customer's bank. How rates are set, why they v ## Solutions (products, programs, and business types) - [Advertising](/solutions-advertising.html) - [Apparel Store](/solutions-apparel-store.html) - [Authorize.net](/solutions-authorize-net.html) - [Auto Shop](/solutions-auto-shop.html) - [Bakery](/solutions-bakery.html) - [Bar / Nightclub](/solutions-bar-nightclub.html) - [BBPOS](/solutions-bbpos.html) - [Biller Genie](/solutions-biller-genie.html) - [Boutique](/solutions-boutique.html) - [Cafeteria](/solutions-cafeteria.html) - [Capital & Term Loans](/solutions-capital-and-term-loans.html) - [CBD](/solutions-cbd.html) - [Charge Anywhere](/solutions-charge-anywhere.html) - [Clover Go](/solutions-clover-go.html) - [Clover](/solutions-clover.html) - [Coffee Shop](/solutions-coffee-shop.html) - [Construction](/solutions-construction.html) - [Convenience Store](/solutions-convenience-store.html) - [Credit Repair](/solutions-credit-repair.html) - [Dejavoo](/solutions-dejavoo.html) - [Deli](/solutions-deli.html) - [Dual Pricing Program](/solutions-dual-pricing-program.html) - [Dual Pricing](/solutions-dual-pricing.html) - [eCommerce](/solutions-ecommerce.html) - [Fine Dining](/solutions-fine-dining.html) - [Flower Shop](/solutions-flower-shop.html) - [Food & Beverage](/solutions-food-and-beverage.html) - [Food Truck](/solutions-food-truck.html) - [Free POS for Partners](/solutions-free-pos-for-partners.html) - [Furniture Store](/solutions-furniture-store.html) - [Gas Station](/solutions-gas-station.html) - [Gift & Novelty](/solutions-gift-and-novelty.html) - [Government](/solutions-government.html) - [Grocery Store](/solutions-grocery-store.html) - [Hardware](/solutions-hardware.html) - [High Risk Merchants](/solutions-high-risk-merchants.html) - [Hotel & Hospitality](/solutions-hotel-and-hospitality.html) - [Ice Cream Shop](/solutions-ice-cream-shop.html) - [iProcess](/solutions-iprocess.html) - [KORONA POS](/solutions-korona-pos.html) - [Kratom](/solutions-kratom.html) - [LINGA](/solutions-linga.html) - [Liquor Store](/solutions-liquor-store.html) - [LSP Gives Back](/solutions-lsp-gives-back.html) - [Mobile Processing](/solutions-mobile-processing.html) - [Mobile Swipers](/solutions-mobile-swipers.html) - [Movie Theater](/solutions-movie-theater.html) - [NMI Gateway](/solutions-nmi-gateway.html) - [Nutraceutical](/solutions-nutraceutical.html) - [One Partnership, Multiple Platforms](/solutions-one-partnership-multiple-platforms.html) - [PAX](/solutions-pax.html) - [Payanywhere](/solutions-payanywhere.html) - [Payment Processing Hardware](/solutions-payment-processing-hardware.html) - [Payment Processing Software](/solutions-payment-processing-software.html) - [PCI & Security](/solutions-pci-and-security.html) - [Pet Store](/solutions-pet-store.html) - [Photography](/solutions-photography.html) - [Pizza Shop](/solutions-pizza-shop.html) - [Point of Sale](/solutions-point-of-sale.html) - [POS Systems](/solutions-pos-systems.html) - [Programs](/solutions-programs.html) - [Quick Service](/solutions-quick-service.html) - [QuickBooks Sync](/solutions-quickbooks-sync.html) - [Restaurant](/solutions-restaurant.html) - [Retail](/solutions-retail.html) - [SEO & Digital Marketing](/solutions-seo-and-digital-marketing.html) - [Services](/solutions-services.html) - [Shift4Dine](/solutions-shift4dine.html) - [Shift4Shop eCommerce](/solutions-shift4shop-ecommerce.html) - [Shoe Store](/solutions-shoe-store.html) - [Smart Terminals](/solutions-smart-terminals.html) - [Smoke / Vape Shop](/solutions-smoke-vape-shop.html) - [Software & Gateways](/solutions-software-and-gateways.html) - [Software Services](/solutions-software-services.html) - [Specialty](/solutions-specialty.html) - [SwipeSimple](/solutions-swipesimple.html) - [Training Services](/solutions-training-services.html) - [Transaction Reporting](/solutions-transaction-reporting.html) - [Transportation](/solutions-transportation.html) - [Travel Agency](/solutions-travel-agency.html) - [True Up Bonuses](/solutions-true-up-bonuses.html) - [Valor](/solutions-valor.html) - [Vet Clinic](/solutions-vet-clinic.html) - [WooPOS](/solutions-woopos.html) ## Texas service areas - [Merchant Services in Amarillo, TX](/merchant-services-amarillo-tx.html) - [Merchant Services in Arlington, TX](/merchant-services-arlington-tx.html) - [Merchant Services in Austin, TX](/merchant-services-austin-tx.html) - [Merchant Services in Brownsville, TX](/merchant-services-brownsville-tx.html) - [Merchant Services in College Station, TX](/merchant-services-college-station-tx.html) - [Merchant Services in Corpus Christi, TX](/merchant-services-corpus-christi-tx.html) - [Merchant Services in Dallas / Ft. Worth, TX](/merchant-services-dallas-tx.html) - [Merchant Services in Denton, TX](/merchant-services-denton-tx.html) - [Merchant Services in El Paso, TX](/merchant-services-el-paso-tx.html) - [Merchant Services in Fort Worth, TX](/merchant-services-fort-worth-tx.html) - [Merchant Services in Frisco, TX](/merchant-services-frisco-tx.html) - [Merchant Services in Garland, TX](/merchant-services-garland-tx.html) - [Merchant Services in Grand Prairie, TX](/merchant-services-grand-prairie-tx.html) - [Merchant Services in Houston, TX](/merchant-services-houston-tx.html) - [Merchant Services in Irving, TX](/merchant-services-irving-tx.html) - [Merchant Services in Killeen, TX](/merchant-services-killeen-tx.html) - [Merchant Services in Laredo, TX](/merchant-services-laredo-tx.html) - [Merchant Services in Lubbock, TX](/merchant-services-lubbock-tx.html) - [Merchant Services in McKinney, TX](/merchant-services-mckinney-tx.html) - [Merchant Services in Midland, TX](/merchant-services-midland-tx.html) - [Merchant Services in Plano, TX](/merchant-services-plano-tx.html) - [Merchant Services in Round Rock, TX](/merchant-services-round-rock-tx.html) - [Merchant Services in San Antonio, TX](/merchant-services-san-antonio-tx.html) - [Merchant Services in Tyler, TX](/merchant-services-tyler-tx.html) - [Merchant Services in Waco, TX](/merchant-services-waco-tx.html)