--- title: "Secure Payment Processing | Coreware Merchant Services" description: "Payment processing software to accept cards, manage transactions, ensure compliance, and improve cash flow with secure, transparent pricing." url: "https://coreware.com/merchant-processing" site: "Coreware" --- # Secure Payment Processing | Coreware Merchant Services > Payment processing software to accept cards, manage transactions, ensure compliance, and improve cash flow with secure, transparent pricing. ###### Coreware merchant processing ## 3% flat. Pass it through. Get a flat 3% processing rate plus a compliant surcharge program that passes the cost of credit card acceptance to customers where permitted. Offset your processing fees instead of absorbing them. Talk To Sales See How It Works ###### Credit cards only ###### Disclosed at entry & on the receipt ###### Coreware handles the compliance setup ###### Credit cards only ###### Disclosed at entry & on the receipt ###### Coreware handles the compliance setup ###### Coreware merchant processing ## 3% flat. ###### Surcharge #### Up to 3% of credit card sales is passed through to the customer. ###### Disclosure #### Shown at the point of entry, at checkout, and on every receipt. ###### Setup #### Coreware handles the compliance setup, in states where surcharging is permitted. ###### How it works ## Three steps. One flat rate. The surcharge is added to credit card transactions, disclosed up front and itemized on the receipt, so your processing cost is passed through instead of coming out of your margin. ### We set you up at 3% flat Coreware configures your merchant account, terminals and checkout for the surcharge program, and handles the compliance setup for your state. ##### Credit · 3% surcharge ##### Debit ##### Prepaid ### Customers see it before they pay Clear notice at the point of entry and at checkout tells customers a surcharge applies to credit cards before they choose how to pay. ###### How it works We add a 3% surcharge to credit card transactions. The surcharge does not exceed our acceptance costs. We do not surcharge debit or prepaid cards. ### It’s itemized on every receipt The surcharge prints as its own line, so customers see exactly what was added and you keep a clean record. ###### Savings example ## What 3% looks like at your volume. On credit card sales, the surcharge offsets the processing fee rather than leaving you to absorb it. ## $1,500/mo in fees offset in this example ## $18,000/yr in fees offset in this example Illustrative example only, not a guarantee of results. Assumes all $50,000 is credit card volume surcharged at 3% in a state where surcharging is permitted. Debit, prepaid and cash sales aren’t surcharged. Because the 3% rate also applies to the surcharge itself, a small difference remains (about 9¢ per $100 of sales). Your results depend on your card mix. ###### Compliance built in ## Surcharging, done by the rules. Card-brand rules and state laws decide how surcharging works. Coreware builds those rules into your setup so the program holds up. #### Credit cards only Surcharges apply to credit card transactions only. Debit and prepaid cards can’t be surcharged, even when they’re run as credit. ### Capped at 3% Card-brand rules cap a credit card surcharge (Visa’s cap is 3%) and limit it to your cost of acceptance. With a 3% flat rate, the surcharge matches your rate and stays within the cap. ### Disclosed at the point of entry Customers are told about the surcharge before they pay: at the entrance or point of entry, at the point of sale, and before checkout online. ### Itemized on the receipt The surcharge amount appears as its own line on every receipt, separate from the sale. ### State rules handled A few states restrict surcharging. Coreware handles the compliance setup, and surcharging is offered in states where it’s permitted. ### Online and phone orders For card-not-present sales, the surcharge must be disclosed before the customer completes payment and shown on the receipt. Talk to us about surcharging on each of your sales channels. ### Debit and prepaid cards Debit and prepaid cards can’t be surcharged. For those, ask us about cash-discount or dual pricing, where a card price and a lower cash price are both posted up front. Ask About Dual Pricing This page is general information, not legal advice. Surcharging is subject to card-brand rules and state law, which can change. ## Secure & Affordable Payment Processing Coreware’s versatile merchant processing service is designed to simplify and secure your payment processes. It supports all card types and brands, accommodating payments in retail, eCommerce, invoicing, mobile,or phone orders. Utilizing the latest technology, from EMV chip to mobile wallets, Coreware ensures your transactions are both secure and reliable Transparent Pricing Coreware prides itself on full disclosure of merchant account costs, with no hidden fees or surprises. This transparent pricing model eliminates common concerns associated with payment processing fees, such as unexpected charges or confusing statements. You can confidently plan your finances, knowing exactly what you will be charged each month, leading to better financial management. INTERCHANGE + PRICING Interchange+ is usually the most cost effective model for businesses. Wholesale cost + a small mark-up to process the payment. .25% +IC | All Card Brands $0.10 per transaction$20 monthly fee No monthly fee when using coreSTORE or coreFORCE. SIGN UP No monthly minimum. No early termination fee. BENEFITS OF COREWARE MERCHANT PROCESSING #### Flexibility Accept various payment methods and environments, providing the flexibility to meet diverse customer preferences. #### Security Advanced security features and PCI compliance ensure safe transactions, protecting both businesses and customers. #### Efficiency Next-day funding and easy integration with Coreware's platforms streamline financial processes and improve cash flow. Security and Compliance With Coreware, you benefit from PCI compliant technology that safeguards payment information with bank-level security measures. This ensures that both your customer and business data are protected against potential threats, reducing the risk of data breaches. Maintaining compliance with industry standards also helps you build trust with your customers, knowing that their sensitive information is secure. Dedicated Customer Support Coreware offers dedicated customer support to assist with any hardware or software issues that may arise. Whether you have questions about your monthly statement or need help troubleshooting a problem, Coreware’s support team is ready to assist. This commitment to customer service ensures that you can rely on prompt and effective assistance whenever needed. Versatile Payment Acceptance. Coreware supports all card types and brands, making it a versatile solution for any business environment. Whether you operate in retail, eCommerce, invoicing, mobile, or phone orders, Coreware can handle all your payment needs seamlessly. This flexibility ensures that you can cater to a wide range of customer preferences, enhancing the overall shopping experience. #### Dejavoo P1 An advanced payment terminal offering secure, efficient transaction processing. BUY NOW #### Dejavoo QD3 A user-friendly payment terminal supporting EMV, NFC, and magnetic stripe transactions. BUY NOW Reliable Hardware for Seamless Operations UPGRADE YOUR OPERATIONS Jumpstart Your Business with Coreware Enjoy seamless integration of Coreware, allowing you to manage your operations and accept payments efficiently from a single platform. This integration eliminates the need for separate systems, reducing complexity and the potential for errors. It also simplifies financial reporting and reconciliation processes, providing a comprehensive view of your business's performance. SIGN UP ###### What’s included ## Everything Coreware processing already does. The surcharge program runs on Coreware merchant processing: secure, versatile and built into the Coreware platform. ### All card types and brands Accept every card type and brand in retail, eCommerce, invoicing, mobile and phone orders. ### EMV chip to mobile wallets From EMV chip to mobile wallets, Coreware keeps transactions secure and reliable. ### PCI compliant technology Bank-level security measures safeguard payment information and protect customer and business data. ### Next-day funding Next-day funding helps streamline your finances and improve cash flow. ### Built into Coreware Manage operations and accept payments from a single platform, with simpler reporting and reconciliation. ### Dedicated customer support Coreware’s support team helps with hardware, software and monthly statement questions. ### Dejavoo P1 An advanced payment terminal offering secure, efficient transaction processing. Buy now ### Dejavoo QD3 A user-friendly payment terminal supporting EMV, NFC, and magnetic stripe transactions. Buy now ###### FAQ ## Questions, answered. Don’t see yours? Email sales@coreware.com - Is surcharging legal? - Can I surcharge debit or prepaid cards? - What do my customers see? - Does the surcharge cover the whole processing fee? - Does it work online and over the phone? - Which terminals can I use? - How fast do I get my money? Card brands allow merchants to surcharge credit card transactions within limits: the surcharge is capped (Visa’s cap is 3%), it must be clearly disclosed, and it can’t be applied to debit or prepaid cards. A few states restrict surcharging, so it’s offered in states where permitted, and Coreware handles the compliance setup. No. Debit and prepaid cards can’t be surcharged, even if the customer runs them as credit. To recover costs on those, ask us about cash-discount or dual pricing. A notice at the point of entry and at checkout (or on the checkout page online) explaining the credit card surcharge before they pay, and a separate surcharge line on the receipt. On credit card sales, a 3% surcharge offsets the 3% rate. Because the rate also applies to the surcharge amount, a small difference remains (about 9¢ per $100). Debit, prepaid and cash sales aren’t surcharged. Coreware merchant processing supports retail, eCommerce, invoicing, mobile and phone orders. For card-not-present sales, the surcharge must be disclosed before the customer completes payment and shown on the receipt. Talk to sales about surcharging on each channel. Coreware offers the Dejavoo P1 and the Dejavoo QD3, which supports EMV, NFC and magnetic stripe transactions. Coreware merchant processing offers next-day funding. ###### Talk to sales ## Ready to pass it through? Tell us about your business and card volume. We’ll walk through the 3% flat rate and the compliance setup for your state. Contact Sales Book a Demo sales@coreware.com