Recover the credit card fees.
Three ways to stop absorbing credit card fees. We quote every one from your processing statement, not a rate sheet. Debit is never surcharged.
Most popular
Surcharge
The compliant credit card fee. Debit is never surcharged.
3%
surcharge on credit, so the practice pays nothing. Debit is quoted per practice after a free statement review.
- Recovers about 60% of credit processing costs
- Card brand compliant
- Compliant signage designed and installed for you
- The lowest-friction option for customers
Highest recovery
Dual price
A posted cash price and a card price. Applies to every card.
Per practice
card price on every card, credit and debit, set from your statement.
- Posts a cash price and a card price side by side
- Recovers about 95% of credit processing costs
- The highest recovery of any model
Quoted from your statement
Interchange plus
Quoted from your real statement.
No template
No published rate. No template markup.
- Transparent, predictable pricing
- Priced after we review a real statement
- Level 2 and Level 3 interchange enrichment
- Best for business and government card volume
Recovery percentages describe how much of the credit processing cost each model returns. Debit, cash, and check never carry a surcharge. Visa caps surcharges at 3%. Surcharge rules vary by state, and we confirm yours before setup. Summit does not handle state registration. Dental practice? See dental pricing.
Worked example
One business, two models, side by side.
An example at a stated volume, not an average across merchants: $65,000 a month in card volume at a $350 average ticket.
| Model | Recovered per month | Recovered per year | Note |
|---|---|---|---|
| Surcharge | $1,130 | $13,600 | Recovers about 60% of credit processing costs. Debit is never surcharged. |
| Dual price | $1,790 | $21,500 | Recovers about 95% of credit processing costs. Every card carries the card price. |
Your recovery depends on your card mix and volume.
What is included
Every model includes the whole platform.
Whichever pricing model you choose, you get all of it. No feature gates, no upsell tiers.
- Level 2 and Level 3 enrichment. Eligible transactions are filled with the tax, PO, and line-item data that qualifies them for lower interchange.
- QuickBooks integration. Payments post to your books automatically.
- Hosted payment page. A branded checkout for card-not-present sales, by email, text, QR code, or embedded on your site.
- Cloud POS. Turn any computer into a virtual terminal for phone and mail orders.
- Recurring payments and card on file. Bi-weekly through quarterly billing on a securely stored card.
- Payment links by text and email. Watch payment status update in real time.
- Next-day funding. Batch as late as 9:00 PM Eastern and funds arrive the next morning. Weekends fund on the same schedule.
- Tokenization and fraud monitoring. Card data is replaced with a token at entry. Automated fraud screening runs continuously.
- Developer API. Run sales and refunds from your own software. Public documentation.
Level 2 and Level 3 qualification depends on card type and the data present on each transaction.
Compliance
The part most processors get wrong.
Surcharging is legal. Doing it incorrectly is what gets a business fined. We set it up so it holds.
The credit surcharge is capped
A surcharge can never exceed what card processing costs you. We set the rate against your real cost and keep it there.
Debit is never surcharged
Debit, cash, check, and gift cards carry no added fee. Customers always have a way to pay that costs them nothing extra.
Cash discount is not a synonym
Some processors add about 4% to credit and debit alike and call it a cash discount. It is a different program with different rules. Dual price is also a different program, not a bigger surcharge.
Summit handles compliant signage, card brand notification, and ongoing monitoring.
Reviewed by Brendon Degner, founder. Last reviewed .
Send us a statement.
We will tell you which model fits and what it costs. No obligation, and no quote until we have seen your real numbers.
Or call 720-603-9126.