A local partner for how your business gets paid.
When you work with Lutzke Merchant Services, you work with one person who knows your business, meets with you directly, and explains things in plain language.
Clarity first. Then options.
I’m Drew Lutzke. I’m local to the San Fernando Valley (home base is Winnetka), and I started Lutzke Merchant Services to help local business owners see clearly what they’re paying to accept cards, and to give them real options.
In the Valley, I’ll come by, review your statement with you, and walk you through your options. For businesses elsewhere in Southern California, we do the same review by phone or video.
There’s no single pricing model that’s right for every business. And the issue may not be that your processor is doing something wrong. It may simply be that no one has shown you another way.
Five steps. Every time.
Understand your business and how you take payments.
Analyze your statement and find your effective rate.
Explain the structure: what each fee is and why it’s there.
Compare Traditional, Split Cash Discount, and Full Cash Discount side by side.
You decide. No pressure, ever.
Real savings where they exist. Honestly reported when they don’t.
Simple. Transparent about structure. Local support, in person in the Valley. If your current setup is already a good fit, you’ll hear that too.
Processing is powered by PaybotX, which gives merchants access to modern payment technology. Lutzke Merchant Services is not a bank. Account approval is handled through underwriting by processing and banking partners.
About the PaybotX partnershipReach Drew directly.
Local to the San Fernando Valley — serving businesses across Southern California. There’s no walk-in office: in the San Fernando Valley area, Drew comes to you. Elsewhere in Southern California, reviews happen by phone, video, and email, with in-person meetings by arrangement.
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.
Know your number. Then decide.
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.