Credit card processing in Pennsylvania
Pennsylvania runs from Philadelphia's dense neighbourhoods to Pittsburgh's hospitals and universities and a large rural middle with Amish farms, small manufacturers and main-street shops. Each part of the state takes payments differently.
The Pennsylvania Department of Revenue lists the Pennsylvania state sales tax rate as 6%; check whether local taxes also apply at each location.
From Poconos resorts to Pittsburgh restaurants and bars: Pennsylvania's business mix
Philadelphia combines hospitals, universities and a famous food scene, from corner delis to fine dining. Pittsburgh has shifted from steel to healthcare, robotics and universities, with sports and restaurants filling the evenings.
The Lehigh Valley has warehouses and logistics, Harrisburg holds state government, and Lancaster County's farm markets and Amish businesses still handle a lot of cash. The Poconos add seasonal resort traffic.
Surcharge and cash discount rules in Pennsylvania
If Lehigh Valley distributors in Pennsylvania want to pass on card costs, card network rules set the limits, because we found no Pennsylvania 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.
All 50 states' surcharge rules · check current rules with counsel
Which pricing suits Pittsburgh restaurants and bars?
Warehousing and distribution businesses in the Lehigh Valley save most with commercial card data and ACH. Pittsburgh restaurants and bars with steady volume do well on interchange-plus with fast batching. Farm markets and cash-heavy shops adding cards often choose simple flat pricing, but should avoid long leases.
POS for Lehigh Valley distributors, Lancaster farm markets and more
- Pittsburgh restaurants and bars
- Tab management, tip adjustment and game-night capacity, set up around how Pittsburgh restaurants and bars in Pennsylvania sell.
- Lehigh Valley distributors
- Invoicing with Level 2 and Level 3 data and ACH.
- Lancaster farm markets
- Simple mobile terminals with offline mode, set up around how Lancaster farm markets in Pennsylvania sell.
- Poconos resorts
- Folio posting and seasonal staff management, set up around how Poconos resorts in Pennsylvania sell.
Local detail, city by city
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 Pennsylvania
Philadelphia · Pittsburgh · Allentown · Erie · Reading · Scranton · Bethlehem · Lancaster · Harrisburg · York · Altoona · Wilkes-Barre · Chester · Williamsport · Easton · Lebanon · Hazleton · New Castle · Johnstown · Norristown · McKeesport · Bethel Park · Monroeville · Plum · West Mifflin · Chambersburg · Carlisle · Hermitage · State College · Pottstown · Sharon · Butler · Washington · Meadville · Indiana
Commercial corridors
Philadelphia
Walnut Street · South Street · Passyunk Avenue · Frankford Avenue · Germantown Avenue · Chestnut Street · 9th Street (Italian Market) · Girard Avenue · Baltimore Avenue
Pittsburgh
Carson Street · Butler Street · Penn Avenue · Walnut Street · Forbes Avenue · Liberty Avenue
Lancaster
King Street · Queen Street · Prince Street · Lititz Pike
Harrisburg
Second Street · Front Street · Jonestown Road · Carlisle Pike
Straight answers for Pennsylvania merchants
If Lehigh Valley distributors in Pennsylvania want to pass on card costs, card network rules set the limits, because we found no Pennsylvania 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.
Some localities add to the 6% state rate. Set tax by location in your POS.
Not necessarily. A mobile terminal or tap-to-pay on phone may be enough; avoid long leases.
All of it, from Reading to Harrisburg. Pittsburgh and Philadelphia have their own pages here. For Poconos resorts: You deal with us by phone, email or video call, and a named person stays on the account after setup.