How a national bank unlocked surcharging its merchants actually accept
Achieved 100% compliance with the bank's internal risk standards, plus every applicable state, federal, and card brand requirement.
Built for Your Platform. Designed for Your Merchants.
No two payment stacks are alike, and adding surcharging shouldn't mean changing yours. InterPayments engineers a compliant solution around the systems you already run on, so nothing gets rebuilt or replaced.
Built for Complexity, Designed for Precision
Purpose-built features that give your merchants precise, compliant control over who, what, and how they surcharge.
Digital Wallet Support
Calculate surcharges automatically on credit card payments made through Apple Pay, Google Pay, and other leading digital wallets.
Gateway Flexibility
Connect to the gateways already in use, with integrations built around the existing payment environment, yours or your merchants’.
Complete Payment Support
Surcharge logic covers every way merchants accept payments: recurring billing, one-time transactions, invoice-based payments, phone and IVR payments, e-commerce, split auth captures, and more
Transaction Reporting
Track every surcharged transaction in real time with clear reporting to monitor fee recovery and maintain an auditable record.
Platform Integrations
Surcharging That Fits Any Environment
From payment gateways to ERPs, InterPayments connects to the systems your merchants already use, no switching required.
Wherever You Take Payments
NetSuite
Microsoft Dynamics
Kerridge
SAP
Epicor
Salesforce
And more
Whatever Your Business Runs On
Stripe
Adyen
Checkout.com
Worldpay
Fiserv
Elavon
NAB
And more
Powering Your Surcharging Program End- to- End
Everything your program needs to launch and stay compliant, in one package.
Every Step, Fully Supported
Whether you're onboarding a single merchant or deploying across your entire partner network, InterPayments works alongside your team to configure, deploy, and optimize surcharging, so every implementation is set up for fee recovery from the very first transaction.
Map the Integration
Work directly with solutions architects to scope the build, define your surcharging requirements, and design an integration that fits your exact payment environment.
Certify the Build
Partner with InterPayments’ compliance team to certify your integration, confirm coverage across every applicable regulation, and secure indemnification against compliance risk.
Launch the Program
Team up with implementation experts to launch compliant surcharging across your merchants' environments, with recommended messaging to communicate the change to customers, so the rollout is smooth and adoption lasts.
Best-in-Class Surcharging Precision
Every program is designed, certified, and supported by an implementation team, giving your merchants a full toolkit to recover fees and protect their margins.
Selective Surcharging
Target fee recovery by customer segment, product line, geography, or payment terms, without applying a blanket surcharge across every transaction.
Surcharge Customization
Waive, discount, or apply time-based surcharges to match how each merchant operates. Every rule is configurable, so the program fits their unique business model.
CEDP and Savings Data Support
Capture and submit the detailed transaction data that qualifies eligible commercial cards for lower interchange rates, with automated ERP connectors handling the heavy lifting.
Cost-of-Acceptance Tracking
Know each merchant's true cost of accepting every card, so surcharges stay capped to that cost, fair to customers and always compliant.
Surcharging Education
Surcharging Is Complicated. InterPayments Makes It Simple.
Learn the ins and outs of surcharging from the team that does this all day. Get everything from the basics to the latest regulatory shifts, so you never have to untangle the rules alone.
Work With the Surcharging Leader
Partner, prospect, or merchant: wherever you're starting from, InterPayments is here to help. Share what you're working on, and the right solution is a conversation away.