Our Programs

We offer the all of the most popular payment programs nationwide to ensure we're able to best serve merchants across verticals and business owners with different philosophies.

Compliant Surcharging

Navigating the complexities of credit card surcharges can be daunting, but not with Prosperity by your side. Our Compliant Surcharging service empowers you to pass on credit card processing fees to the consumer legally and transparently. Preserve your profit margins while adhering to all legal and card network requirements, ensuring a worry-free transaction experience with Prosperity's compliant surcharging program.

$0

70%

Average Processing Costs Savings

By eliminating costs of processing credit cards. .99% average cost on all debit transactions

51%+

Number of Participating US small businesses

Over 51% of small businesses in the US use credit card surcharging to lower their fees

Credit Card Processing Cost

Credit card fee covers credit card processing costs

Should you have to pay for you customers credit card rewards?

Credit card networks e.g. Visa & MC raise their rates every year to enhance profitability and offer their customers better rewards. Traditionally, businesses have had to bear that cost, but only their customers benefit.

We help merchants level the playing field and fight back against this unfair cost.

Over the past 5 years passing the cost of credit card acceptance to customers has exploded in popularity. It is now estimated that 25-50% of small businesses in America have put their foot down and are allowing customers the choice to pay for their own credit card rewards by applying a small fee to credit card transactions.

Customers still retain the right to avoid the fee by paying with any other payment types including debit cards or cash, so they can choose if the rewards are worth the additional fee or not and you as the business owner can save over 75% on your payment processing costs.

For a solution that maximizes customer choice and merchant profitability, credit card surcharging is the best way to do so, and is also Prosperity Payment's most popular program.

But won't my customers be upset?

Most consumers now understand why this practice exists and when properly communicated it's rarely brought up. Merchants find that customers are way less sensitive to this program than they usually expect. Prosperity Payments has had zero of our merchants switch back after implementation.

Traditional Processing

Unlock unparalleled savings with our Processing Fee Reduction program. Tired of paying for hidden charges and inflated processor margins? We meticulously analyze and strip away junk fees, ensuring you only pay for what's fair. The result? Enhanced profitability and a healthier financial outlook for your business, without any change to your payment acceptance practices. Experience transparency like never before and take control of your payment processing costs today.

Backed by our rate reduction guarantee