Local rules, local rates, one national team
Processing law is not the same in Boston as it is in Houston, and it is not the same in Montreal as in Calgary. Every city below links to its province or state page, where the rules that apply to you are laid out.
Serving merchants across the United States
State-by-state surcharge rules, same-day ACH and USD next-day funding.
- New York, NY
- Los Angeles, CA
- Chicago, IL
- Houston, TX
- Miami, FL
- Phoenix, AZ
- Philadelphia, PA
- Dallas, TX
- Atlanta, GA
- Boston, MA
Serving merchants across Canada
Interac debit, EFT settlement in CAD, and provincial consumer rules handled properly.
Based in Toronto or elsewhere in Ontario? See credit card processing in Ontario and Toronto. Adding a card fee? Read credit card surcharging in Canada: rules by province.
Where the rule is set below the state line
Most of what changes for a merchant is set by a state, a province or a card network. A few things are not: a combined sales tax rate fixed by a city, a posting rule a municipal office enforces, an interchange statute aimed at one state's tax base. These five pages cover that detail, each with the primary source and the date it was checked.
- Card processing rules for New York City merchants — GBL § 518 price posting, and 8.875% across the five boroughs
- Card processing rules for Los Angeles merchants — SB 478 and when a card fee counts as mandatory
- Card processing rules for Chicago merchants — the interchange law on tax and tips, and a rate that moved in August 2026
- Card processing rules for Houston merchants — the enjoined surcharge ban, the debit ban that survived it
- Card processing rules for Toronto merchants — 13% HST, the 2.4% cap, and why CRA says the surcharge is not taxable
- Card processing rules for Denver merchants — home-rule, self-collected city sales tax and the 9.15% combined rate
- Card processing rules for Miami merchants — Miami-Dade's 1% transit surtax and its $5,000 single-item cap
- Card processing rules for Atlanta merchants — four stacked local taxes pushing Fulton/DeKalb to 8.9%
- Card processing rules for Phoenix merchants — a privilege tax on the seller, Phoenix's own rate, and its big-ticket-item threshold
- Card processing rules for Philadelphia merchants — the 2% local tax and Act 21's switch to destination sourcing
- Card processing rules for Seattle merchants — a separate city B&O return and a 10.55% combined rate
- Card processing rules for San Francisco merchants — the "SF Mandates" health care surcharge and its OLSE reporting duty
- Card processing rules for Boston merchants — a 0.75% local meals excise on top of the state's 6.25%
- Card processing rules for Las Vegas merchants — no city sales tax layer at all, just an 8.375% county rate
- Card processing rules for Washington, DC merchants — a 10% restaurant meals rate that doesn't move with the general rate
Location questions
We run two offices and serve merchants remotely everywhere else. That is deliberate: it keeps our cost base low, which is part of why our pricing is lower. You still get one named expert rather than whoever answers.
Yes, meaningfully. Surcharging is prohibited in Connecticut, Maine, Massachusetts and Puerto Rico, allowed with conditions in states such as New York and Colorado, and not allowed in Quebec. US card network rules also prohibit surcharging debit cards. We build your program to your jurisdiction.
Yes, on one consolidated account with per-location reporting and jurisdiction-correct pricing programs.
Every fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.