Payments & POS · Long Island, NYKnow what you're really paying to accept cards.
DM Capital Services helps Long Island restaurants, bars, and retail shops cut credit card processing fees, upgrade POS systems, and set up compliant dual pricing — starting with a free 48-hour statement review from a real local person, not a call center.
- 0%
- processing cost with compliant dual pricing
- 48-hr
- free statement review, no obligation
- Local
- Suffolk & Nassau, in person
- NY dual-pricing compliant
- Restaurant & bar POS
- No call centers
- Family-run, Long Island
Merchant Statement
Acme Deli & Grill · Huntington, NY
Period
Mar 2026
This is where most owners overpay.
Illustrative sample — not a real client statement
Qualifying Long Island businesses get their POS hardware placed free. You just pick the software plan that fits.
- Long Island Based
- Restaurant & Bar POS
- Dual Pricing Guidance
- Local Support
Where the money leaks
The fees quietly draining your margin.
None of these show up in the rate a processor quotes you. They live in the fine print of the statement — and month after month, they add up to real money. A free review finds the ones you can cut.
PCI “non-compliance” fee
Billed when your compliance paperwork lapses — usually avoidable.
Statement / “regulatory” fee
A recurring monthly charge for essentially nothing.
Batch & settlement fees
A little skim every time you close out the day.
Monthly minimum shortfall
A penalty for the months your volume dips below their target.
Annual service fee (amortized)
A once-a-year charge, quietly spread across your statements.
Adds up to
$77.55/mo≈ $930/yr
Why DM Capital
Stop overpaying. Switch to a local you can call.
The big processors charge more, bury fees in the statement, and put a bot between you and your money. Here's how DM Capital compares — on published rates, as of July 2026.
| Processor | Rate | Support | The catch | Local |
|---|---|---|---|---|
| Square | 2.6% + 15¢ | App + email | Sudden account freezes | — |
| Stripe | 2.9% + 30¢ | Email + docs | Built for developers | — |
| PayPal | 2.99% + 49¢ | Bots + phone queue | Holds on your funds | — |
| DM Capital Services | 0% with dual pricing | Danny's cell, direct | No lock-in, ever | ✓ Suffolk & Nassau |
Published standard rates as of July 2026; provider plans, qualifications, and promotions vary. With compliant dual pricing the card fee is disclosed and passed through, so eligible businesses can bring their own processing cost to near zero.
How dual pricing worksDual pricing, done right
Two prices, shown honestly.
Post a cash price and a card price, disclosed clearly at the register. Card customers cover the processing fee; cash customers don't. Set up to New York's signage and receipt rules, it can bring your processing cost close to zero — without surprising a single customer.
Acme Deli & Grill
Huntington, NY
Acme Deli & Grill
Huntington, NY
Illustrative — a $10 order with a 4% card price. Your setup and signage are tailored to stay compliant.
The overpay check
How much are cards really costing you?
Two numbers off your statement. We'll show what you're paying now — and a rough estimate of what a leaner setup could put back in your pocket.
Not sure? It's total fees ÷ card volume. Most owners land between 2.7% and 3.9%.
Paying now
$20,400
per year, to accept cards
Could keep, est.
$6,600
per year, leaner setup*
*Illustrative estimate at a 2.3% effective rate for comparison. Compliant dual pricing can offset even more. Actual pricing and savings depend on your business type, card mix, and processor rules.
What we handle
Everything that touches how you get paid.
One local person for your processing, POS, and pricing — pick where it hurts and start there.
Payment Processing
Simple payment options built around the way local businesses actually run day to day.
See your savingsDual Pricing Programs
Clearer pricing conversations for eligible businesses exploring ways to reduce or offset processing costs.
Learn about dual pricingPOS Systems
Countertop, handheld, and service-focused POS setups for restaurants, delis, bars, and growing storefronts.
Explore POS systemsRestaurant, Deli & Bar Solutions
Payment and checkout tools that fit faster service, tips, tabs, and busy front-counter workflows.
See industries we serveLocal Business Support
Support from someone who understands local businesses and the pace they operate at.
Meet DM Capital ServicesStatement Review
A practical review of your current setup to spot confusing fees and discuss smarter options.
Get a free statement reviewHow it works
From statement to savings in three steps.
- 01
Send us a statement
We read your last processing statement, pull out your real effective rate, and flag every junk fee hiding in it. Free, with a 48-hour turnaround.
- 02
See your options, plainly
Interchange-plus, compliant dual pricing, a faster POS — we lay out what actually fits how you run, with the math on the table and zero pressure.
- 03
Switch with local support
We handle the setup and stay reachable afterward. You get a cell number and a local face, not a ticket queue and a 1-800 line.
Danny M.
Founder · Suffolk & Nassau, Long Island
From the founder
A quick note from Danny.
Most owners I meet have never had anyone actually read their processing statement, line by line. They sign up once, and the fees just creep. I built DM Capital Services to be the opposite of that.
When you call, you get me — not a queue, not account #4,072 in someone's book. I'll read your statement, tell you straight where you're overpaying, and if your setup is already a good deal, I'll tell you that too.
- You get my cell — not a call center.
- Free statement review, back in 48 hours.
- A straight answer, even if it’s “keep what you have.”
- Long Island local — I’ll come to your counter.
Danny M.
Founder, DM Capital Services
Serving Long Island
Local help across Suffolk & Nassau.
Restaurants, retail, salons, and service businesses up and down the Island — in person when it helps, not just over a phone line.
Don't see your town? We cover all of Long Island — reach out and we'll help.
Let's talk
See what you're overpaying — free.
Send a recent processing statement and we'll show you exactly where the fees are going and what a leaner setup could save. No obligation, no pressure.