Credit card processing in Washington
Washington has no personal income tax, a sales tax built on destination-based local rates, and very card-heavy customers in Seattle. Coffee shops, online sellers and restaurants all feel their card costs.
The Washington Department of Revenue lists the Washington state sales tax rate as 6.5%; check whether local taxes also apply at each location.
From border retailers to Seattle coffee shops: Washington's business mix
Seattle, Bellevue and Redmond hold large technology and retail companies and very high contactless and mobile-wallet use. Tacoma has the port and military installations, and Spokane serves eastern Washington and northern Idaho.
Yakima and the Columbia basin run on orchards and vineyards, the San Juan Islands and Olympic Peninsula rely on summer visitors, and border towns see Canadian shoppers from British Columbia.
Card fees in Washington, legally
For online sellers in Washington, the limits on a card fee come from the card networks rather than Washington law, since we found no state statute: credit cards only, capped at cost and at 3% for Visa, with notice and signs.
The state-by-state surcharge table · general guidance only
Which pricing suits Seattle coffee shops?
Coffee shops and cafes with small tickets should compare per-transaction fees, not just percentages. Online sellers shipping across the country need destination-based tax setup and strong fraud tools. Border businesses serving British Columbia shoppers see international card fees that interchange-plus shows clearly.
POS for online sellers, wineries in the Columbia Valley and more
- Seattle coffee shops
- Fast tap-to-pay, mobile ordering and small-ticket pricing, set up around how Seattle coffee shops in Washington sell.
- Online sellers
- Gateway with tokenization, fraud screening and tax by destination.
- Wineries in the Columbia Valley
- Tasting-room POS and wine club billing, set up around how wineries in the Columbia Valley in Washington sell.
- Border retailers
- Clear receipts for Canadian shoppers, set up around how border retailers in Washington sell.
Washington cities with their own page
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.
Towns and cities we serve in Washington
Seattle · Spokane · Tacoma · Vancouver · Bellevue · Kent · Everett · Renton · Federal Way · Yakima · Spokane Valley · Kirkland · Bellingham · Kennewick · Auburn · Pasco · Marysville · Lakewood · Redmond · Shoreline · Richland · Sammamish · Burien · Olympia · Lacey · Edmonds · Puyallup · Bremerton · Longview · Wenatchee · Mount Vernon · Walla Walla · Pullman · Issaquah · Bothell
Commercial corridors
Seattle
Pike Street · Broadway · Ballard Avenue · University Way NE · Fremont Avenue North · California Avenue SW · Rainier Avenue South · 1st Avenue · 15th Avenue East · Alki Avenue SW
Spokane
Riverside Avenue · Garland Avenue · Monroe Street · Division Street · Sprague Avenue
Tacoma
Pacific Avenue · 6th Avenue · Broadway · Proctor Street
Bellingham
Holly Street · Railroad Avenue · Meridian Street
Asked by Washington merchants
For online sellers in Washington, the limits on a card fee come from the card networks rather than Washington law, since we found no state statute: credit cards only, capped at cost and at 3% for Visa, with notice and signs.
Sales tax is based on where the buyer receives the goods, so deliveries may carry a different rate. Configure your POS and shop to use the right local rate.
For wineries in the Columbia Valley: The fixed per-transaction fee. For wineries in the Columbia Valley: Ask about small-ticket programs.
All of it, from Vancouver to Renton. Seattle has its own page here. For border retailers: You deal with us by phone, email or video call, and a named person stays on the account after setup.