Credit card fees are eating into shop profits, but how you pass them on makes all the difference. In this episode, Rob Davis and David Nacion explain the rules, risks, and real-world options for surcharging, dual pricing, and cash discounting in auto repair shops.

Guests:
Rob Davis — CardConnect / Fiserv — Philadelphia, PA
David Nacion — CardConnect / Fiserv — Philadelphia, PA

What you’ll learn (shop-owner takeaways):

• Difference between surcharging and dual pricing

• Why dual pricing covers debit cards too

• Legal limits on surcharges and compliance risks

• How cash discounting works in practice

• Best way to present pricing to customers

• Options for ACH, Zelle, and alternative payments

• Chargeback risks with cards vs. ACH vs. cash

• How customer age and ARO affect pushback

Timestamps
00:00 – Intro: Credit card fees in shops
02:21 – Surcharging vs dual pricing
03:41 – State rules and compliance
05:56 – How to analyze your fees
07:07 – When surcharging becomes risky
08:48 – Debit cards, rewards cards, compliance
10:14 – Can rates flex by card type?
12:18 – Defining true cash discounting
13:43 – ACH, Zelle, and new payment options
16:48 – Checks, ACH, and instant clearance
18:09 – Zelle adoption across banks
19:14 – Rob & David’s teamwork approach
22:33 – Surcharging rules and caps explained
24:34 – What dual pricing really means
26:18 – Why Visa dislikes added fees
29:57 – How software presents dual pricing
33:17 – Effective rate vs processor markup
35:06 – Fluctuating interchange rates
36:45 – Customer experience and fairness
39:15 – Pandemic shift in payment habits
42:21 – Zelle, QR codes, and easy options
43:49 – Generational differences on fees
47:16 – Customer age and ARO insights
49:05 – Post-COVID normalization of fees
50:55 – 67% adoption across industries
52:04 – Why fees keep climbing
54:48 – State restrictions and compliance
55:11 – Customer complaints and adoption rates
57:04 – Transparency in invoicing
59:40 – Cash vs ACH vs Zelle chargebacks
01:02:10 – Wrapping up and next steps

Call-to-Actions
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Links
Listen on Spotify: https://creators.spotify.com/pod/profile/garagegrit
Join the Facebook group: https://www.facebook.com/groups/forautorepairshopowners/
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