Credit card processing across Los Angeles.
Beyond the Valley, Lutzke Merchant Services works with businesses across Los Angeles, from Burbank and Glendale to Hollywood, the Westside, and downtown. Reviews happen by phone, video, and email, with in-person meetings by arrangement.
What to look for on an LA processing statement.
Every business is different, but these are the patterns worth checking first.
Lots of small tickets
Coffee, quick-service, and food trucks run a high count of small transactions. Per-transaction fees can matter as much as the percentage rate.
Card-present and online
Many LA businesses take payments at the counter, by phone, and online. Keyed and online transactions typically cost more than chip or tap.
Fees stacked across tools
Terminal rentals, POS subscriptions, gateway fees, PCI fees. Separate line items add up.
Send one recent statement. Get your effective rate, a line-by-line fee breakdown, and Traditional, Split, and Full Cash Discount compared with your numbers. No cost, no obligation.
Lower It, Share It, or Shift It in LA.
Starting points, not rules. The right answer depends on your statement, your customers, and your goals.
Lower It = Traditional (lower your costs) · Share It = Split Cash Discount (share the cost) · Shift It = Full Cash Discount (maximize your savings).
Compare the three structures| Business type | Common starting point |
|---|---|
| Restaurants & cafés | Compare all three. |
| Salons & studios | Share It is often worth a look. |
| Professional & medical | Usually Lower It. |
| Retail | Depends on ticket size and competitors. |
Same review. Same direct contact.
In-person reviews are available locally in the San Fernando Valley area. Elsewhere in Los Angeles, the review happens by phone, video, and email, and in-person meetings are by arrangement.
California rules apply here too. Under a cash discount program, customers who pay by card see a non-cash adjustment (the posted card price), and customers who pay cash receive a discount. Cash discount and surcharge programs are subject to card-brand rules and California law (including Cal. Civ. Code §1748.1 and the state’s Honest Pricing Law). A compliance review is recommended before any program goes live. This isn’t legal advice.
- Send one recent statement (two or three if you’re seasonal)
- Get your effective rate and a plain-language breakdown
- See all three structures compared with your numbers
- Decide with no pressure and no obligation
Local questions.
Do you work outside the San Fernando Valley?
Yes. The Valley is home, and Drew works with businesses across Los Angeles and the rest of Southern California. Outside the Valley, the review happens by phone, video, and email; in-person meetings are by arrangement.
Can you review a statement from any processor?
Send whatever statement you have. If something can’t be analyzed clearly, we’ll tell you.
Is a cash discount program allowed for an LA business?
California’s rules apply statewide. Cash discount programs are subject to card-brand rules and California law, and every setup is reviewed under approved terms. This isn’t legal advice.
More of Southern California.
Know your number in LA.
Send one recent statement or book a short call. We’ll review what you’re paying today and whether there’s an opportunity to improve it. No pressure, no obligation.