How a Family-Owned Pizzeria Saved $26k/Year on Credit Card Fees

And Why Their Customers Didn’t Notice a Thing

"We were paying $2,200/month just to accept cards – that’s 19,000 pepperonis we could’ve bought! Now we keep 100% of every sale."
— Michael T., Owner of Napoli Pizza (Tampa, FL)

The Hidden Fee Trap:
Like 92% of restaurants, Napoli Pizza was bleeding money to payment processors:

• 3.3% per transaction + $50 monthly fees

• $1,200/month in "non-qualified surcharges"

• $750/year for outdated terminals

Total loss: $26,400/year – enough to hire a full-time employee.

The "Dual Pricing" Solution That Changed Everything

(Spoiler: No price increases required)

Step 1: The Pricing Flip

Instead of eating fees, Napoli:

1. Set cash prices as the baseline (e.g., $15 pizza)

2. Displayed card prices as percentage higher ($15.60)

3. Trained staff to say: "It’s $15 cash or $15.60 card – your choice!"

Key Insight:

"Customers paying cash felt rewarded. Card users didn’t blink – they’re used to fees elsewhere."
— Gina Rodriguez, Napoli’s Manager

Step 2: Free Hardware Upgrade

PurePatriotPayments provided:
✅ Zero-cost terminals
✅ Custom dual pricing software
✅ PCI-compliant receipts
(No contracts or monthly fees)

Step 3: Staff Training in 1 Hour

• Role-played customer objections

• Used table tents explaining: "We pass card costs to banks, not you!"

• Gave staff $50 bonuses for positive fee-related reviews

The 90-Day Results That Shocked Their Accountant

Unexpected Benefit:
Credit card tips increased 18% – servers now explained: "Your card fee supports our staff!"

3 Objections They Overcame (And How)

1. "Won’t customers hate this?"

   • Reality: 2 complaints in 4 months (both regulars who got free calzones)

   • Pro Tip: Offer "fee forgiveness" for first-time card users

2. "My POS can’t handle dual pricing!"

   • Solution: We integrated with their existing system in 2 hours

3. "I’m locked in a processor contract!"

   • We paid Napoli’s $1,200 early termination fee (see offer below)

Free Savings Calculator: What Could YOU Save?