Credit card processing in Michigan
Michigan's economy still turns on the auto industry and its suppliers, but its merchants also serve Canadian shoppers crossing at Detroit and Port Huron, college towns, and summer resort areas up north.
The Michigan Department of Treasury lists the Michigan sales tax rate as 6%.
From border-town retailers to auto repair and parts shops: Michigan's business mix
Detroit and its suburbs hold automakers, parts suppliers and engineering firms, plus a revived downtown restaurant and sports scene. Many suppliers sell business to business with large invoices.
Grand Rapids adds healthcare and furniture-industry roots, Ann Arbor and East Lansing are university towns, and Traverse City, Mackinac and the lakeshore run on summer tourism. Border towns see Canadian-issued cards regularly.
Surcharge and cash discount rules in Michigan
If Detroit restaurants and bars in Michigan want to pass on card costs, card network rules set the limits, because we found no Michigan surcharge statute in official sources: credit cards only, no more than your cost or Visa's 3%, 30 days' notice to your acquirer and posted disclosure.
Surcharge laws in every state · check current rules with counsel
Which pricing suits auto repair and parts shops?
Auto suppliers and repair shops with large tickets should look at commercial card data and ACH before surcharging. Border merchants serving Canadians pay international card fees, which interchange-plus shows clearly. Summer resort businesses need seasonal pricing with no minimums.
POS for Detroit restaurants and bars, up-north resort businesses and more
- Auto repair and parts shops
- Shop software with integrated payments and fleet account billing.
- Detroit restaurants and bars
- Tab management and event-night terminal capacity, set up around how Detroit restaurants and bars in Michigan sell.
- Up-north resort businesses
- Seasonal staff logins, rentals with pre-authorizations and mobile terminals.
- Border-town retailers
- Clear receipts for Canadian visitors, with currency conversion offered only as the customer's choice.
City-level pages
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Every corner of Michigan
Detroit · Grand Rapids · Warren · Sterling Heights · Ann Arbor · Lansing · Flint · Dearborn · Livonia · Troy · Westland · Farmington Hills · Kalamazoo · Wyoming · Southfield · Rochester Hills · Taylor · Saint Clair Shores · Pontiac · Novi · Dearborn Heights · Battle Creek · Saginaw · Kentwood · East Lansing · Roseville · Portage · Midland · Muskegon · Traverse City · Holland · Bay City · Jackson · Royal Oak · Port Huron · Marquette · Petoskey · Grand Haven · Mount Pleasant · Adrian
Commercial corridors
Detroit
Woodward Avenue · Michigan Avenue · Gratiot Avenue · Jefferson Avenue · Cass Avenue · Grand River Avenue · Livernois Avenue
Ann Arbor
Main Street · State Street · Liberty Street · Washtenaw Avenue
Grand Rapids
Monroe Center · Wealthy Street · Division Avenue · 28th Street · Fulton Street
Traverse City
Front Street · Union Street · Eighth Street
Royal Oak
Main Street · Washington Avenue · Woodward Avenue
Straight answers for Michigan merchants
If Detroit restaurants and bars in Michigan want to pass on card costs, card network rules set the limits, because we found no Michigan surcharge statute in official sources: credit cards only, no more than your cost or Visa's 3%, 30 days' notice to your acquirer and posted disclosure.
For Detroit restaurants and bars: Yes, foreign-issued cards carry international fees. Interchange-plus pricing shows them separately.
For up-north resort businesses: Send Level 2 and Level 3 data with business card payments and offer ACH for large invoices.
All of it, from Sterling Heights to Dearborn. For border-town retailers: Detroit has its own page here. For border-town retailers: We work remotely: send a statement, get the written breakdown, and hardware ships ready to use.