Credit card processing in the San Fernando Valley.
The Valley is home. Lutzke Merchant Services is local to the San Fernando Valley (home base is Winnetka, 91306), and in-person statement reviews are available across the Valley, from Chatsworth to Sherman Oaks and Calabasas to Van Nuys.
What to look for on a Valley processing statement.
Every business is different, but these are the patterns worth checking first.
Main-street businesses
Sherman Way, Reseda Blvd, Ventura Blvd, Devonshire: the Valley runs on independent restaurants, salons, auto shops, and retail. Most have never had their statement read to them line by line.
A wide mix of tickets
A taqueria, a dental office, and a body shop can sit on the same block. Small tickets make per-item fees matter; big tickets make the percentage matter. Your mix decides which.
Local, in-person help
Because it’s close, the review can happen at your counter or office, with your actual statement on the table.
“I’m local. I’ll come by, review your statement with you, and walk you through your options.”
Drew Lutzke, founder · local to the San Fernando Valley
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 the Valley.
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. Price sensitivity on your street often decides it. |
| Auto repair & service | Cash discount pricing is common in some auto categories; compare Share It and Shift It. |
| Salons, barbers & studios | Share It is often worth a look for repeat clients. |
| Medical, dental & professional | Usually start with Lower It; some devices have cash discount limits for medical accounts. |
Same review. Same direct contact.
Drew is based in Winnetka, so this is close to home. In-person visits are usually practical here: he can come by, review your statement with you, and walk you through your options.
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.
Which Valley neighborhoods do you cover?
The core is about a 5–10 mile radius around Winnetka: Canoga Park, Woodland Hills, West Hills, Chatsworth, Northridge, Reseda, Tarzana, Encino, Van Nuys, Sherman Oaks, and Calabasas. If you’re elsewhere in the Valley, ask.
Can you really come to my business?
Within the Valley, in-person visits are usually practical. Just ask when you book. If a call or video is easier for you, that works too.
Is the review free for Valley businesses?
Yes. The statement review is free with no obligation, wherever you are.
More of the Valley & beyond.
Know your number in the Valley.
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.