How to Cancel a Merchant Services Contract

To cancel a merchant services contract, find your notice window in the agreement, confirm whether your equipment lease is a separate contract with its own term, send written notice by a trackable method, close out the account, and verify the debits stop. Your own agreement controls every step.

Most merchants get surprised at the same two places: the notice window had already closed, or the terminal lease was never part of the processing contract at all. This page explains how those pieces are commonly built so you can read your own paperwork and see what applies to you.

This is general information, not legal advice. PayPoint Systems does not provide legal advice and does not interpret contracts you signed with another company. Nothing here tells you to stop paying an obligation, to block a payment, or to breach an agreement. Your own merchant agreement, fee schedule, and equipment lease control what you can do and when. For anything consequential, have your own attorney read the documents before you act.

Start Here: The Three Contracts That Control Your Exit

Merchants routinely say “my contract” as though there is one. In most setups there are at least two documents and frequently three, they were often signed on the same day, and they do not necessarily end together. This is the single most useful thing to establish before you do anything else.

Document	What it usually governs	Who the other party usually is	Why it matters to cancelling
Merchant agreement or merchant processing agreement	The processing relationship itself: term, renewal, notice, termination, chargeback liability, reserves	An acquiring bank, a processor, and often a sales organization as an additional party	This is where the term length, the renewal clause, the notice window, and any early termination provision live
Schedule of fees, fee schedule, or pricing exhibit	Every recurring and one-time charge, including items that only appear when you leave	Same parties as the merchant agreement, usually as an attachment or exhibit	Account closure fees, deconversion fees, and annual items are commonly listed here and nowhere else
Equipment lease or rental agreement	The terminal, PIN pad, or POS hardware sitting on your counter	Frequently a third-party leasing company that is not your processor	It commonly has its own term, its own renewal, and its own termination terms, and it often continues after processing ends

Document names vary widely. What matters is not the title on the page but which entity is named as the counterparty and what term that document states.

The trap most merchants miss is the third row. A processing agreement and an equipment lease can be signed in the same appointment, printed on similar paper, and explained in the same conversation, while being separate contracts with separate counterparties, separate terms, and separate termination rules. Cancelling one does not automatically cancel the other. Before you send any notice, confirm in writing which document covers your hardware and who the other party on it is.

The 5-Step Cancellation Process

You are not trying to win an argument. You are trying to establish four facts, act inside a deadline, and keep proof that you did.

Step 1: Gather every document and confirm what you actually signed

• Pull the signed originals: Retrieve the executed copies rather than a marketing summary or a rate sheet, because only the signed documents govern anything.
• Identify every counterparty by name: Write down each legal entity that appears as a party, since notice usually has to go to a specific one and not to whoever sold you the account.
• Separate processing from hardware: Determine whether your terminal is owned, financed, leased from a third party, or provided under the processing agreement itself.
• Collect the attachments: Fee schedules, pricing exhibits, addenda, personal guaranty pages, and change-in-terms notices are part of the deal even when they arrived later.
• Request what you cannot find, in writing: If you do not have complete copies, ask each counterparty in writing for the full executed agreement and all amendments, and keep the request.

Step 2: Find your term, your renewal date, and your notice window

• Locate the initial term: Look for the length of the initial term and, critically, for what starts the clock, because many agreements run the term from first processing rather than from the signature date.
• Locate the renewal clause: Find whether the agreement renews automatically, for how long each renewal runs, and what stops it.
• Locate the notice provision: Note how much advance notice is required, what form it must take, where it must be sent, and whether the standard is the date sent or the date received.
• Do the same for the lease: Repeat all of the above inside the equipment lease, since its term and its notice window are frequently different and frequently longer.
• Write the dates on one page: Put the renewal date, the last valid notice date, and the lease dates side by side, because those three dates drive every decision that follows.

Step 3: Price the exit before you commit to it

• Read the termination provision closely: Identify whether an early termination fee exists, how it is calculated, and whether any condition waives it.
• Read the lease termination terms separately: Leases commonly define an end-of-term obligation and a buyout formula that has nothing to do with the processing agreement.
• List the tail items: Note any account closure fee, deconversion fee, annual fee, or compliance program fee that could still bill after your last transaction.
• Account for chargeback exposure: Card networks allow disputes to arrive after an account closes, and merchant agreements commonly keep you responsible for them.
• Compare the exit cost against the reason you are leaving: A cost problem you can quantify is a decision you can make, and a cost problem you cannot quantify is a guess.

Step 4: Give notice in writing, to the right address, by a trackable method

• Follow the contract’s own instructions exactly: If the agreement names a form, an address, or a delivery method, use that one rather than a substitute you find more convenient.
• Send it to the notice address, not the support line: Agreements frequently name a legal or notice address that differs from the customer service address printed on your statement.
• Use a method that produces a receipt: Certified mail with return receipt, a courier with delivery confirmation, or an email to a contractually specified address all create evidence that a phone call does not.
• Send a separate notice for each contract: If the lease is a different counterparty, it needs its own notice sent to its own address on its own timeline.
• Keep the account open until the replacement is live: Turning off card acceptance before a tested replacement is running converts a fee problem into a revenue problem.

Step 5: Close out, verify, and monitor for tail charges

• Confirm receipt in writing: Ask each counterparty to acknowledge the notice in writing and to state the effective date they have recorded.
• Return or resolve the hardware on the record: If equipment must go back, follow the stated return process and keep the tracking number and the condition record.
• Watch the final statement line by line: The last statement is where closure fees, prorated items, and annual charges typically surface.
• Watch your bank account for at least a few cycles: Debits from a processor, a lessor, a gateway, and a compliance vendor arrive on different dates and from different descriptors.
• Keep the whole file: Notices, receipts, acknowledgments, final statements, and shipping records are the entire record if anything is disputed later.

Before you decide whether leaving is the right move, it helps to know exactly what you are paying now. PayPoint Systems offers a free review of your merchant statement with no obligation.

Where the Terms That Matter Actually Live

Merchants often read the wrong document carefully. The pricing you were shown in the sales conversation is rarely where the exit terms are written.

The merchant agreement

This is the governing document for the processing relationship. It is where you find the initial term, the renewal mechanism, the notice requirement, the termination rights of each party, chargeback and reserve provisions, and any personal guaranty. It is also where amendment language lives, meaning the provision that describes how the other party may change terms and how it must tell you.

• Look for the term and its trigger: Find both the length of the initial term and the event that starts it, because a term measured from first processing ends later than one measured from signature.
• Look for the renewal paragraph: It is often a short sentence inside a longer section rather than a separately titled clause.
• Look for the notice paragraph: Notice provisions frequently sit in a general or miscellaneous section near the end rather than beside the termination clause.
• Look for the guaranty page: A personal guaranty makes an individual responsible for amounts the business owes, which changes the stakes of every other question on this page.
• Look for what survives termination: Many agreements state expressly that chargeback liability, indemnity, and certain fee obligations continue after the agreement ends.

The schedule of fees

The fee schedule is the attachment that lists what you are charged. For cancellation purposes it matters because exit-related items are usually itemized here and nowhere else. An account closure fee, a deconversion or deboarding fee, an equipment return or restocking fee, and an annual fee with a stated billing month can all appear in this document while being absent from the main agreement.

• Read the whole schedule, not the rate box: The rates occupy a small part of the page and the recurring and event-driven items occupy the rest.
• Flag every item that is not monthly: Annual, semiannual, and one-time items are the ones most likely to arrive after you think you are done.
• Note anything described as a pass-through: Items described as passed through from a network or a vendor are typically outside what any provider negotiates.
• Compare it to your live statement: Charges appearing on your statement that are absent from the schedule are worth asking about in writing.
• Ask for the current version in writing: Fee schedules can be amended on notice, so the copy in your file may not be the operative one.

The equipment lease, the contract most merchants forget

This is the one that produces the worst surprises, and it deserves its own paragraph rather than a bullet.

An equipment lease is frequently a separate financing contract between you and a leasing company that is not your processor. It commonly runs for a term set independently of the processing term, and in many cases that term is longer. It commonly contains its own renewal mechanics, its own notice requirement, and its own end-of-term obligations. It may be non-cancellable by its own terms, meaning the agreement states that the lessee owes the remaining payments regardless of whether the equipment is still in use. It may include a personal guaranty even when the processing agreement does not.

The practical consequence is direct: cancelling your processor does not necessarily end your lease, and in many arrangements it does not end it at all. If your terminal is leased, treat the lease as a separate project with its own timeline, its own notice, and its own paperwork. Read it yourself, and if the numbers are consequential to your business, have your attorney read it before you send anything.

How to Compute Your Notice Window

A notice window is arithmetic, and the arithmetic has three inputs: the date the current term ends, the amount of advance notice the agreement requires, and the standard the agreement uses for when notice counts.

• Input one, the term end date: Establish the exact renewal or expiration date, which depends on when the term started and how many renewals have already occurred.
• Input two, the required advance notice: Take the number of days stated in the notice provision, and read whether the agreement also sets an outer limit such as notice given no earlier than a stated point.
• Input three, sent or received: Determine whether the agreement counts the date you send notice or the date the other party receives it, because that difference can consume the entire window.
• Count backward, not forward: Subtract the required notice period from the term end date to get the last valid date, then treat that date as a hard deadline rather than a target.
• Build in delivery time: If the standard is receipt, add the transit time of your chosen delivery method before you decide when to send.

Illustrative arithmetic only, using made-up dates to show the mechanic. These are not typical windows and they are not anyone’s actual terms. If an agreement renews on June 1 and requires written notice received at least ninety days before renewal, the last day your notice can arrive is March 3, and mailing it on March 3 misses. Your own window may be shorter or longer, and only your own agreement states it.

Two failure modes account for most missed windows. The first is starting the count from the signature date when the agreement measures from first processing, which shifts every date. The second is discovering the requirement inside the window, when the only remaining question is what the next renewal term costs. Both are avoidable by pulling the dates before you need them, which is why Step 2 exists.

Auto-Renewal and Evergreen Clauses

An evergreen clause is renewal language that extends the agreement automatically at the end of each term unless a party gives notice inside the required window. It is a common structure across many kinds of business services, not a merchant services peculiarity, and the mechanism is neutral in itself. What varies, and what you have to read for, is the length of each renewal and the size of the window.

Renewal structure	How it typically behaves	What to look for in your agreement
Automatic renewal for successive fixed terms	At the end of the initial term the agreement renews for another term of a stated length, then again, until notice is given	The length of each renewal term and whether it matches the initial term or differs from it
Automatic renewal on a month-to-month basis	After the initial term the agreement continues in shorter increments, usually with a shorter notice requirement	Whether the shorter increment applies immediately after the initial term or only after a further renewal
Renewal with a notice window that opens and closes	Notice is valid only inside a defined band, for example not earlier than one point and not later than another	Both ends of the band, since early notice can be as ineffective as late notice under this structure
Renewal tied to equipment or a separate agreement	The processing term and a lease or software term are aligned or cross-referenced so that one extends the other	Any cross-reference language that ties the processing agreement to another document by name
No stated term with termination on notice	The agreement continues indefinitely and either party may end it by giving the stated notice	The notice period and any conditions attached to it, since indefinite does not mean immediate

Some states regulate automatic renewal clauses in business contracts, and the rules differ by state and by contract type. Whether any of it applies to your agreement is a question for your own attorney, not for a web page.

Early Termination Fee Structures

Early termination provisions are written in several different shapes. Knowing which shape yours uses tells you what question to ask and what document to read. The structures below describe how such provisions are commonly built across the industry. None of this describes any particular company’s agreement, and no amounts appear here because amounts are set by your contract, not by an article.

Structure	How the calculation is typically framed	What to check in your own agreement
Flat fee	A single stated amount owed on early termination regardless of how much term remains	Whether the amount is stated in the agreement or in the fee schedule, and whether it applies per location
Liquidated damages	A formula meant to estimate the provider’s lost revenue over the remaining term, often built from your historical average monthly charges	Which months feed the average, whether pass-through costs are included, and how the remaining term is measured
Remaining-term multiple	A stated monthly figure, sometimes a monthly minimum, multiplied by the number of months left in the current term	Whether the count runs to the end of the initial term or to the end of the current renewal term
Declining or step-down fee	An amount that decreases as the term progresses, so the cost of leaving falls over time	The schedule of steps and the date each step takes effect
Conditional waiver	A fee that is reduced or waived if a stated condition is met, such as completing the term or terminating within a defined period after a change-in-terms notice	The exact condition, the deadline attached to it, and the notice you must give to invoke it
Equipment buyout, which is separate	An amount owed under the lease, typically framed as remaining payments and any purchase option, independent of any processing termination fee	That it is a different obligation to a possibly different company, and that paying one does not settle the other

One provision is worth finding specifically. Some agreements give a merchant a defined right to terminate without the early termination fee if the other party amends the terms and the merchant objects within a stated period after the notice. If your reason for leaving is a change you were notified of, that clause is the first thing to look for, and the notice date starts the clock. Whether such a clause exists in your agreement, and whether it applies to your situation, is a question for your own reading and your own attorney.

Why an Equipment Lease Often Survives Cancelling Your Processor

This section repeats a point deliberately, because it is the single most common gap between what merchants expect and what their paperwork says.

• Different counterparty: The lease is frequently held by a leasing company that never had a role in your processing relationship, so ending processing sends it no signal at all.
• Different term: Lease terms are set independently and are commonly longer than the processing term they were sold alongside.
• Non-cancellable language: Some equipment leases are written as separate, non-cancellable agreements and may require the remaining payments even after processing ends or the equipment is returned. Only the lease you signed states whether that is true for you.
• Separate billing rail: Lease payments are usually debited separately from processing fees, on their own date, under their own bank descriptor, which is why they keep appearing after processing stops.
• Separate end-of-term rules: Returning hardware, buying it out, or letting the lease renew are distinct outcomes with distinct deadlines written into that document.

If you cannot tell from your paperwork whether your terminal is leased, financed, rented, owned, or supplied under the processing agreement, that is the first question to resolve in writing. Ask the entity that debits you for the equipment to send you the executed lease and a written statement of its term and end date. Keep the answer.

How to Cancel Properly in Writing, and What to Keep as Proof

A cancellation dispute is almost always an evidence dispute. The merchant remembers a phone call and the record shows nothing. Written notice with delivery proof is the difference.

• Put it in writing even if a phone call is offered: A representative may be willing to handle it verbally, and a verbal handling leaves you with nothing to produce later.
• Identify the account precisely: Include the legal business name, the doing-business-as name, the merchant identification number, the location address, and the agreement date.
• State clearly what you are terminating: Name the specific agreement and, if you are terminating more than one, send a separate letter for each rather than one letter covering all.
• State the effective date you are requesting: Tie it to the contractual notice period rather than to your preferred date, and say which provision you are relying on.
• Ask for written acknowledgment: Request confirmation of receipt, the recorded effective date, a final statement, and a written list of any amounts the other party believes remain owed.
• Ask for the equipment return instructions: If hardware must go back, request the return address, the deadline, and the required condition in writing before shipping anything.
• Send it the way the contract requires: Use the specified method and address, and if the contract permits email, send it to the address the contract names rather than to your sales representative.
• Send a copy by a second method: A certified letter plus an email creates two records, which costs almost nothing and resolves most later disagreements about timing.

What to keep, and for how long. Retain the signed agreements and all attachments, your notice letters, the certified mail receipt and return card or courier delivery confirmation, any acknowledgment you receive, every statement from the last several cycles including the final one, equipment shipping receipts and tracking, and your bank records showing when debits stopped. Keep the file at least as long as your chargeback exposure could run under the agreement, and longer if any amount is disputed.

If what you actually want is lower cost rather than a different logo on the terminal, a statement review is the cheaper first move. PayPoint Systems offers a free review of your merchant statement with no obligation.

Your Final Statement and the Fees That Arrive After It

Card acceptance does not stop cleanly on a calendar date. Fees accrue on cycles, disputes arrive on network timelines, and different vendors bill on different schedules. Expect a tail, and read it rather than assuming it is an error.

Post-cancellation item	Why it can appear after your last transaction	Where it is usually defined
Final cycle processing fees	The last billing cycle closes and bills after the cycle ends, so the final statement typically arrives after the account does	The fee schedule and the billing terms in the agreement
Account closure or deconversion fee	Some fee schedules include a stated charge for closing or deboarding an account	The fee schedule, frequently not the main agreement
Annual or periodic fees already accrued	Items billed once a year land in a specific month regardless of when you gave notice	The fee schedule, with a stated billing month if you are fortunate
Compliance program fees	A compliance program can bill on its own cycle and can be administered by a separate vendor	The fee schedule and any compliance program terms you accepted
Chargebacks and their fees	Cardholders can dispute transactions after your account closes, and agreements commonly keep the merchant liable for those disputes and the associated fees	The chargeback and survival provisions of the merchant agreement
Reserve funds	If a reserve was held, agreements commonly define a holding period after closure before any release	The reserve provision of the merchant agreement
Equipment return, restocking, or damage charges	Hardware returned late, incomplete, or damaged can trigger charges under the lease or the agreement	The equipment lease or the equipment section of the agreement
Lease payments	A lease with its own term continues on its own schedule unless it has been separately terminated or bought out	The equipment lease

A charge appearing after cancellation is not automatically improper, and it is not automatically correct either. The way to tell is to match each item to a provision in a document you signed, and to ask in writing about anything you cannot match.

PCI and Gateway Subscriptions That Bill Separately

Payment accounts accumulate subscriptions from more than one vendor. Several of them survive a processing cancellation because they were never part of the processing agreement.

• Payment gateway subscriptions: A gateway is often a separate product with a separate account and a separate monthly charge, and it continues billing until that account is cancelled with that vendor.
• PCI compliance programs: Compliance validation programs can be administered by the provider or by a third-party vendor, and the enrollment can outlive the processing relationship if it is not separately closed.
• Virtual terminal and recurring billing tools: Software you log into is frequently licensed separately from the processing that settles through it.
• Wireless and data plans: Terminals that connect over cellular usually carry a data plan on its own contract, which does not stop because processing did.
• Value-added software: Reporting dashboards, loyalty tools, invoicing add-ons, and shopping cart plugins each have their own cancellation path.
• Stored payment data: If you keep cards on file or run subscriptions, confirm in writing what happens to the stored data at closure, because losing it and losing the gateway are the same event for a subscription business.

Our PCI compliance page explains what the validation process involves and why the program is billed the way it is. If you carry a compliance enrollment, treat it as its own cancellation with its own confirmation rather than assuming it ends with the account.

What to Do If the Debits Do Not Stop

Continued debits after a cancellation are usually one of three things: a charge that is genuinely owed under a document you signed, a charge from a different entity than the one you cancelled, or a processing error on the other side. Sorting out which one it is comes before anything else.

• Read the bank descriptor: The name attached to the debit identifies which entity is charging you, and it frequently turns out to be a lessor or a gateway rather than the processor you cancelled.
• Match the amount to a document: Compare the charge against your fee schedule, your lease, and your subscriptions before concluding it is unauthorized.
• Follow up in writing, with your evidence attached: Send a written follow-up that references your original notice, the delivery proof, and any acknowledgment, and ask for a written explanation of the specific charge.
• Escalate through the contract, not the sales rep: If the first response is unsatisfactory, send the escalation to the notice address named in the agreement so that it lands on the record.
• Ask your own bank about your options: Your bank can explain the dispute and authorization tools available on your account, and what timelines apply to them.
• Do not block or return debits on your own initiative: Blocking or returning a debit can carry consequences under your agreement and under your bank’s rules, so discuss that step with your own attorney and your bank before taking it.
• Talk to your attorney when the amount is consequential: A contract dispute is a legal question, and this is exactly the point where general information stops being useful.
• Keep a dated log: Record every call, every letter, every response, and every debit, because a clean chronology is the most persuasive document you will have.

A note on tone that actually matters. The fastest resolutions come from merchants who send a short, specific, unemotional letter with the account number, the notice date, the delivery proof, and one clear question. The slowest come from merchants who cancel by phone, keep no record, and then have to reconstruct the timeline from memory.

Cancellation Checklist

Work this in order. Each item is a fact you can prove or a document you can produce.

• [ ] Signed agreements collected: You have executed copies of the merchant agreement, the fee schedule, and any equipment lease or rental agreement.
• [ ] Counterparties identified: You have written down every legal entity named as a party on each document.
• [ ] Term start established: You know what event started the term, whether that is signature or first processing.
• [ ] Renewal date established: You know the exact date the current term ends and how many renewals have occurred.
• [ ] Notice requirement read: You know the required advance period, the required method, the required address, and whether sent or received controls.
• [ ] Last valid notice date computed: You have counted backward from the renewal date and written the deadline down.
• [ ] Lease dates computed separately: You have repeated the same term, renewal, and notice analysis inside the equipment lease.
• [ ] Exit cost identified: You have located any early termination provision, any lease buyout formula, and any conditional waiver.
• [ ] Tail items listed: You have noted closure fees, annual items, compliance program fees, reserve terms, and chargeback survival language.
• [ ] Attorney consulted where consequential: You have had your own attorney review anything with meaningful financial exposure, including any personal guaranty.
• [ ] Replacement tested first: Your new acceptance method is live and proven before your current one is turned off.
• [ ] Written notice sent correctly: Notice went to the contractual address, by the contractual method, with a delivery receipt, and a separate notice went to each counterparty.
• [ ] Acknowledgment requested: You have asked in writing for confirmation of receipt, the recorded effective date, and a written statement of any remaining balance.
• [ ] Equipment resolved on the record: Hardware has been returned per written instructions with tracking retained, or its status has been confirmed in writing.
• [ ] Subscriptions cancelled separately: Gateway, compliance enrollment, virtual terminal, wireless plan, and software add-ons have each been cancelled with their own vendor and confirmed.
• [ ] Final statement reviewed: Every line on the last statement has been matched to a provision in a document you signed.
• [ ] Debits verified stopped: You have watched the bank account across several cycles and confirmed which descriptors stopped and which did not.
• [ ] File retained: Notices, receipts, acknowledgments, statements, shipping records, and your dated log are stored together.

Documents to Gather

Pull these before you compute a single date. The most common cause of a missed window is starting the analysis without the paperwork in hand.

Document	Where it usually lives	What to pull from it	Why it matters
Signed merchant agreement	Your onboarding file, the provider’s merchant portal, or a request in writing to the provider	Initial term, term trigger, renewal clause, notice provision, termination rights, survival clauses	It is the governing document for the processing relationship and for your exit rights
Schedule of fees or pricing exhibit	Attached to the agreement, or delivered separately at boarding	Every recurring item, every annual item, and any closure, deconversion, or equipment charge	Exit-related charges are frequently listed only here
Equipment lease or rental agreement	Often a separate signature page from a separate company, sometimes emailed rather than handed over	Lessor name, term, renewal, notice requirement, buyout formula, return obligations, any guaranty	It commonly survives processing cancellation and has its own deadlines
Personal guaranty page	Inside the merchant agreement, the lease, or both	Whether an individual signed, and what obligations the guaranty covers	It determines whether exposure is limited to the business
Any change-in-terms notices	Printed messages on prior statements, portal notifications, or emailed notices	The date of the notice, what changed, and any objection or termination right stated in it	A notice can start a clock on a right you would otherwise not have
The last several merchant statements	The provider’s portal or your mail	Every recurring charge, the account number, the entity names, and any notice messages	Statements reveal charges and vendors that the agreement alone does not
Bank statements covering the same period	Your business bank account	Every debit descriptor tied to payments, including lease, gateway, and compliance vendors	It identifies every entity billing you, which the merchant statement does not
Gateway and software account records	Login portals for each service you use	Account owner, billing method, cancellation path, and any stored payment data	These subscriptions cancel separately and are the most commonly forgotten

Before You Cancel, Know What You Are Actually Paying

Not every fee increase is a reason to leave, and not every exit is expensive. Both of those are questions you can only answer with the actual numbers in front of you.

PayPoint Systems is an independent merchant services provider based in Northwest Indiana. We are not the card processor. We can read your current statement with you and explain what each line is, which charges are pass-through costs common to every provider, and which are provider-set. We do not interpret your contract, and we do not give legal advice.

Request a free review of your merchant statement. There is no obligation, and if the honest answer is that your current setup is reasonable, you will hear that.

General information, not legal advice. This page describes how merchant services agreements, fee schedules, and equipment leases are commonly structured. It does not describe any specific company’s contract, it does not tell you what your agreement says, and it is not a recommendation to breach an agreement, withhold a payment, or block a debit. PayPoint Systems does not provide legal advice. Read your own documents, and consult your own attorney before acting.

If the reason you are leaving is the cost of card acceptance rather than the service itself, two alternatives are worth pricing before you send a notice. A surcharge adds a fee to credit card transactions, which card brand rules do not permit on debit or prepaid cards. Dual pricing instead displays two prices, one for cards and one for cash. Both change how you present price rather than who processes your payments, though whether your current agreement, terminal, or point of sale supports either is a question to put in writing before you decide. Surcharging legality varies by state, so start with whether surcharging is legal in Indiana and confirm anything outside Indiana with your own counsel.

Frequently Asked Questions

Related guides

• How to Switch Credit Card Processors Without Downtime
• Why Did My Credit Card Processing Fees Go Up?
• Merchant Statement Fee Dictionary: What Every Line Item Means

This article is general information for business owners, not legal, tax, or accounting advice. Card brand rules, interchange schedules, and processor agreements change; confirm specifics against your own statement and your own signed agreement.