Case Study

How InterPayments and Red Maple Helped a Manufacturer Reduce Credit Card Fees by 91%

June 15, 2026

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A leading manufacturer of outdoor fabric and frame structures was migrating from Microsoft Dynamics to Dynamics 365 and wanted to add surcharging to their payment workflow. The company had been manually adding a 3% surcharge to credit card transactions without following state-level compliance requirements, creating both legal exposure and operational inefficiency. InterPayments partnered with Red Maple to deliver a compliant surcharging solution within the company’s new D365 environment.

About the Company

The company is a manufacturer of outdoor fabric and frame structures, serving a broad commercial customer base across the United States. With complex B2B payment workflows and a high volume of credit card transactions, the cost of accepting cards had a meaningful impact on their margins.

Solving Challenges

Challenge	Solution
Manual surcharging without compliance guardrails — The company’s team was manually adding a 3% surcharge to transactions. But this process lacked systematic compliance checks and did not account for evolving state-level surcharging laws across the U.S. Non-compliance can result in fines up to $1,000,000.	InterPayments offers full compliance with state/provincial, federal, and card brand regulations. The program utilizes a multi-sourced card database to avoid compliance risks and accidental surcharging. It also includes 24/7/365 transaction reporting to protect against non-compliance allegations and contractual indemnification.
A technology transition — The company was upgrading from legacy Microsoft Dynamics to Dynamics 365. Layering in a new payment capability meant any surcharging solution had to work natively within D365, not require the team to operate outside their core workflow.	InterPayments worked closely with Red Maple, a certified Microsoft Dynamics partner, to deliver a compliant, fully integrated surcharging portal built directly into the company’s new D365 environment. Rather than continuing to rely on manual fee additions, the company now calculates surcharges in real-time while ensuring all transactions are processed consistently and correctly. The company will apply surcharging to all card-not-present transactions.
The need for a certified, trusted integration — Getting surcharging right inside D365 required deep ERP expertise alongside surcharging expertise. The company needed partners who could work together seamlessly to deliver a certified implementation.	InterPayments delivered full-service implementation, certifying the company before go-live. To maintain compliance long-term, InterPayments provides annual re-certifications as state-level regulations and card brand rules evolve. InterPayments enables all teams involved with surcharging so the company can offer full payment transparency to their customers.

Results

Pre-Surcharging Card Fees	$172,800
% of Credit Card Volume Surcharged	61%
Estimated Total Savings	$157,800
Estimated Reduction in Fees	-91%

The impact was immediate and substantial. By implementing a properly structured surcharging program, the company is projected to reduce credit card processing costs by 91% and recover $157,800 in processing fees each year. InterPayments supported a smooth customer experience throughout the rollout, providing clear disclosures so the company's team could proactively address customer questions and present surcharging transparently.

Beyond the numbers, the company walked away with something equally valuable: the confidence that their surcharging program is built on a compliant foundation. What had been an ad hoc, manual process with meaningful legal risk is now a systematic, automated capability embedded in their core ERP. InterPayments' solution continuously adapts to changing state-level regulations and card brand rules, removing compliance management from the company's internal teams entirely.

Interested in seeing how InterPayments can help your company? Contact us today.

To keep the topic of the article anonymous, identifying details have been changed.

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