Why Restaurants Are Turning Down Your Credit Card

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Why Restaurants Are Turning Down Your Credit Card

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Episode 74 of Restaurant Business with Fexingo dives into the economics of credit card processing fees in restaurants. Lucas and Luna break down why more independent operators are refusing to accept credit cards for small transactions, how a new wave of cash-only or surcharging policies is reshaping the dining experience, and what a 3% processing fee really costs a thin-margin restaurant over a year. Using concrete numbers from a real-world case in Portland, Oregon, they explain the hidden profit drag of swipe fees, the rise of surcharging legislation across 22 states in 2026, and why some operators are now asking diners to pay by PIN debit or cash. This episode gives owners and curious diners a clear lens on the high-stakes fight over payment infrastructure at the restaurant counter. #CreditCardFees #RestaurantProfitMargins #CashOnly #Surcharging #PaymentProcessing #RestaurantBusiness #IndependentRestaurant #LucasAndLuna #FexingoBusiness #BusinessPodcast #HospitalityEconomics #PortlandRestaurants #PINDebit #DinerBehavior #InterchangeFees #ThinMargins #PaymentInfrastructure #RestaurantTrends2026 Keep every episode free: buymeacoffee.com/fexingo

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