Three Partnership Models.
One Standard.

Bring compliant, indemnified surcharging to every merchant you serve, through a partnership structured around how your business already works. The programs are run and guaranteed for you; the revenue and relationship stay yours.

Pitch With the Leader Behind You

The name behind your offering is already trusted by 4 of the top 5 acquirers and the largest institutions in payments. That credibility transfers to every conversation your team has.

Enable Surcharging Without the Exposure

InterPayments has never faced a compliance allegation or paid a fine, a record that has earned the trust of the largest institutions in payments. That credibility becomes part of what you bring to merchants.

Keep Their Customers Happy

Customer satisfaction is engineered into every InterPayments program—disclosure upfront, a free way to pay, and per-card precision that never overcharges. No merchant has ever stopped surcharging over customer pushback.

Win–and Keep–More Merchants Deals

Surcharging is increasingly a deciding factor for merchants choosing a payments partner. Offering a market-leading program gives your team a competitive advantage that opens doors,closes deals, and keeps existing merchants satisfied.

Scale Without Staffing

Bring surcharging to your entire merchant base without adding a person to run it. Every onboarding, every support ticket, and every customer question is handled for you.

Deliver Strong Returns

Adding surcharging requires no development cycle and no compliance infrastructure, making it one of the lowest-effort, highest-return additions your business can make.

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Referral Partners

You Refer the Merchant. The Program Is Built for Them.

When your merchants want surcharging, InterPayments designs, runs, and guarantees the entire program on their behalf. Your name stays on the relationship while the risk is managed elsewhere.

  • Win more merchant deals stalled over card acceptance costs.
  • Deepen merchant relationships by adding surcharging to the services they already use.
  • Quantify the opportunity for every prospect, with a custom savings analysis built from their real processing data.
Case Study
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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.
Case Study
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How an ERP solution provider brought fully compliant surcharging into Microsoft Dynamics 365
Reduced credit card processing costs by 91%, saving $157,800 annually
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Integration Partners

You Run the Platform. The Surcharging Is Engineered In.

Integrate once and every merchant on your platform can surcharge compliantly, backed by expertise you don't have to develop or maintain.

  • Add contract value to every implementation and expand what your platform can offer.
  • Reach the banks, processors, and payments companies already in the InterPayments network.
  • Stay current with every regulation automatically, with rule changes tracked, tested, and live the day they take effect.
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white-label Partners

You Sell the Feature. The Technology Comes Built.

Surcharging is embedded into your platform as a native feature, fully compliant and sold under your brand.

  • Hand your sales team a differentiator that closes deals and expands the ones already in your pipeline.
  • Skip the development cycle entirely, with the feature arriving built, tested, and maintained by someone else's engineers.
  • Stand on technology trusted by the Fortune 100, even when the name on it is yours.
Case Study
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How surcharging became a new revenue line for an AR platform
Signed 24+ net-new merchants in the first year, selling best-in-class surcharging under its own brand.

Are You a Merchant? Start With Your Payment Provider.

The fastest path to surcharging is often through the provider you already work with. InterPayments partners with the banks, platforms, and software companies merchants already rely on, so getting started rarely requires changes to your existing setup.
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Out-of-the-Box Solutions

Surcharging Made Ready

Deploy the prebuilt surcharging solution, PayLink, for fee recovery programs that stand up in as little as 30 days.
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Customized Solutions

Surcharging Engineered to Fit

Connect any payment platform to InterPayments or build surcharging into your stack via API, for a solution that fits exactly how your business works.

The Compliance Advantage You Can't Build Yourself

InterPayments delivers continuous compliance across state, provincial, federal, and card brand rules with full indemnification behind every transaction, so you can recover processing fees with confidence.

Prevent

Automated compliance built into every transaction.

Protect

Active oversight and defense whenever compliance is questioned.

Indemnify

An active partner on your side, not just a policy.

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.