Most Altoona and Central PA businesses lose 2.5% to 3.5% of every card sale to processing fees, on a statement nobody can read. Bag Carriers sets you up on a compliant dual-pricing program, wires it into your counter, website, or invoices, and stays your local point of contact after the first deposit.
Card fees are the one bill most owners never shop. They come out before the deposit, so you never write the check, and the statement is built so you can't tell what any of it is for.
A shop running $40,000 a month on cards at 3% gives up $1,200 a month, or $14,400 a year. That money leaves before it ever hits your account.
Statement fees, PCI fees, batch fees, "non-qualified" surcharges. Each one is small. Together they are how a rate that was quoted low ends up costing more than you agreed to.
When a terminal goes down on a Saturday, you call a national 800 number and wait. The rep who signed you up is gone, and so is anyone who knows your setup.
Your card reader, your website checkout, and your invoices each run on something different, so your books never line up without an afternoon of matching deposits by hand.
Every item shows a cash price and a card price. Customers who pay with cash or bank transfer pay the cash price. Customers who pay with a card pay the card price, which covers the processing cost. The difference is posted at the counter and printed on the receipt, the way card brand rules require. You keep the full sale either way.
A compliant program that passes the card cost to the customers who choose to pay by card and rewards cash and ACH. Your processing cost drops to zero.
Today's card sales land in your bank account the next morning, so your cash flow doesn't wait on a processor's schedule.
One merchant account behind your card reader, your website checkout, and the invoices you send. Pairs with a Stackably POS or a Bag Carriers website if you have one.
Frank sets you up in person and stays your point of contact. When something needs attention, you call someone in Bellwood who already knows your setup.
Your monthly card volume and effective rate are on your statement. If you don't know your rate, 3% is a fair guess for most small businesses.
Your Card Sales
Your Annual Processing Cost
Four steps, and Frank handles the parts that usually fall on you.
Fill out the short form below. A recent processing statement helps, but it isn't required.
He walks you through what you pay today, line by line, and tells you plainly whether dual pricing fits your customers.
Your account, your counter, your website checkout, and your signage, set up and tested before your first sale on the new system.
You keep the full sale, deposits land the next morning, and Frank stays your local point of contact.
Merchant services are the accounts and equipment that let a business accept credit and debit cards, at the counter, online, or on an invoice. Bag Carriers sets up card processing for businesses in Altoona and across Central PA, and stays your local point of contact afterward.
Dual pricing shows two prices for everything you sell: a cash price and a card price. Customers paying with cash or bank transfer pay the cash price, and customers paying with a card pay the card price, which covers the cost of processing. You keep the full sale either way, so your processing cost drops to zero.
Yes. Offering a lower price for cash is allowed in all 50 states, including Pennsylvania. The program Bag Carriers sets up follows card brand rules: both prices are shown, the difference is posted at the counter, and it is printed on the receipt.
Most never mention it. Gas stations have shown a cash price and a card price for decades. Customers who would rather not pay the card price can pay cash. If your customers or your industry are a poor fit for dual pricing, Frank will tell you that on the first call.
Card sales are deposited the next morning, so today's sales are in your bank account tomorrow.
Yes. One merchant account sits behind your card reader, your website checkout, and the invoices you send, so your deposits line up with your books. It pairs with a Stackably POS or a Bag Carriers website if you have one.
Bag Carriers is based in Bellwood and works with businesses in Altoona, Hollidaysburg, Tyrone, Huntingdon, and across Central Pennsylvania. Setup is done in person, and Frank is a phone call away afterward.
Send your details and Frank will reach out within one business day to set up a 20-minute call. No quote from a form, no sales script.
Request a Statement Review
What Happens Next
Frank reaches out
Within one business day, by phone or email, to set a time that fits your day.
A 20-minute look at your statement
What you pay now, what each line means, and whether dual pricing makes sense for your customers.
You decide
If it fits, Frank sets it up in person. If it doesn't, you walk away knowing exactly what you pay.
🔒 Your information stays with Bag Carriers. No spam, no third-party lists.