Credit Card Surcharge Technology

Accept credit cards with your current payment providers - but without the costs.

Confidently surcharge with guaranteed compliance on every transaction.

Customize who, what, and how much to surcharge on each transaction.

Our surcharge technology works like your sales tax engine, but for credit card fees. Surcharge wherever you accept credit cards today or in the future.

Merchants, payment software vendors, and merchant acquirers use InterPayments to recover processing fees without compliance risks.

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Credit card fees are no longer
a cost of doing business

Surcharging is the process of sharing some or all of the processing fees with your credit card paying customer.

With InterPayments, surcharging works in real-time just like your sales tax calculator.

First, our surcharge technology calculates each card's exact processing fee. Second, we filter through 67+ evolving state, federal, and card brand surcharge rules. Finally, we apply your customized rules and display the compliant surcharge. All before card authorization.

Take control over
when, where, and how you surcharge!

InterPayments is the only fully customizable surcharge technology.
Recover credit card processing fees without changing your payment vendors or platforms.

Surcharging Pays for Itself - Immediately

Offer your customers credit card payment options without the costs.

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100% Total Surcharge Control

Total flexibility over who, when, where, and how much you surcharge - all at the click of a button.

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Turnkey or Customized
Integrations

Keep your existing payment providers. Our APIs integrate wherever you accept credit cards, such as your ERP, CRM, or Shopping Cart.

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Automated and Guaranteed
Compliance

67 jurisdictions govern US surcharges. Our technology automates your compliance. Our contracts indemnify you for surcharge non-compliance risks.

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How Are You Thinking
About Credit Card Fees?

"We Don’t Accept Credit Cards
to Avoid the Fees"

Credit cards offer guaranteed and faster settlement, but with high costs. By surcharging, you easily manage this trade-off.
With surcharges, your customers choose their favored payment option but without the costs to you.

"We Accept Credit Cards
But Aren’t Surcharging"

U.S. merchant credit card fees average 2.65% and are a top 3 cost - and rising. Outsourced compliance guaranteed surcharges can recover fees with minimal effort or risk.

"We Accept Credit Cards And Are
Surcharging"

You outsource your sales tax calculations. Surcharges are no different. Compliance with 67+ jurisdictions is tricky and constantly evolving, with large risks. Also, ensure compliant customization by rate, customer, product, or location.

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Show me ROI for a
B2B or B2C merchant

See data from our most successful B2B and B2C customers, or click below to instantly calculate your company’s savings.

Calculate
Your Savings

This calculator shows you the potential ROI per month you could realize with InterPayments.

Calculate Your Results

Industry: Distribution

Size: $400+ million GMV

Sales Channels: E-Commerce and Virtual Terminal

Integration Point: Integrated into merchant’s 3rd party Enterprise Resource Platform.

Processing Rate Model: Interchange Plus

Industry: Building Materials Distribution

Size: $2+ billion GMV

Sales Channels: E-commerce and virtual terminal

Integration Point: Integrated into proprietary payment pages

Processing Rate Model: Interchange Plus

Industry: Building Materials Distribution

Size: $25+ million GMV

Sales Channels: Virtual Terminal

Integration Point: Used InterPayments' virtual terminal

Features: Surcharges only On Account orders which represented the largest credit card pain point

Processing Rate Model: Interchange Plus

Industry: B2B merchants across several industries

Size: Multiple billions GMV

Sales Channels: E-Commerce and Virtual Terminal

Integration Point: Integrated into platform’s proprietary payment applications

Features: Resold as unique, differentiated feature to merchants to improve merchant acquisition and retention

Processing Rate Model: Interchange Plus and Fixed Rate

Industry: Retail

Size: $100mm+ GMV

Sales Channels: E-Commerce and Virtual Terminal

Integration Point: Integrated into merchant’s 3rd party cloud commerce platform.

Features: Business rules allowed surcharge flexibility depending upon transaction amount.

Processing Rate Model: Interchange Plus

Industry: Services All Industries

Size: $100 million+ GMV

Sales Channels: Virtual Terminal

Integration Point: Integrated into platform’s Card Not Present payment platform

Processing Rate Model: Interchange Plus and Fixed Rate

Industry: Retail

Size: $50 million+ GMV

Sales Channels: E-Commerce

Integration Point: Integrated into merchant’s proprietary e-commerce platform

Features: Added additional product lines after successful surcharge trial period

Processing Rate Model: Interchange Plus and Fixed Rate

Our Partners and Integrations

"Platform Switzerland." We're built to be payment provider and platform agnostic. InterPayments integrates with all major payments solutions and can be customized to your specific needs.

And growing...

Learn more about our Partner Program

Connect with
InterPayments

Learn why surcharging is crucial to your business success

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