Find Your Perfect Payment Solution
Our AI analyzes 200+ data points to deliver personalized POS system recommendations tailored to your industry, volume, and business goals.
Compare POS Systems
Get detailed breakdowns of any POS system including pricing, features, pros & cons, and real user feedback.
🔍 Quick Lookup
🔥 Popular Comparisons
🎯 Not Sure Which to Choose?
Take our 60-second assessment and we'll recommend the best system for YOUR specific business.
Payment Fee Analyzer
Upload your statement or enter details manually. We'll uncover hidden fees, analyze your card mix, and find savings.
Processing Rate Calculator
Compare pricing models side-by-side to see exactly what you'll pay.
Payment Laws & Pricing Guide
Essential compliance information every merchant and ISO agent needs to know. Surcharging, cash discount, interchange, and more.
Credit Card Surcharging Laws
Surcharging is legal in most states but comes with strict rules. Violations can result in fines and loss of merchant accounts.
🟢 States Where Surcharging is LEGAL
Most states allow credit card surcharging with proper disclosure
*Some states have specific disclosure requirements or restrictions
🔴 States Where Surcharging is PROHIBITED
These states ban or heavily restrict credit card surcharges
Previously banned in CO, KS, ME, OK, TX - now legal with restrictions
📋 Surcharging Rules (Visa/Mastercard)
Debit Card Surcharging: PROHIBITED
This is one of the most common compliance violations. Many merchants do this illegally.
Why Merchants Get This Wrong
Your POS system MUST be able to distinguish between credit and debit cards and only apply surcharges to credit.
How to Handle Debit Cards
Cash Discount Programs
A legal way to offset ALL processing fees (credit AND debit) without violating surcharging rules.
💡 How Cash Discount Works
The key is pricing: your "regular" price includes the fee. Cash customers get a discount OFF that price.
Convenience Fees vs Surcharges
These are NOT the same thing. Convenience fees have completely different rules.
Convenience Fees
- Charged for the convenience of using an alternative payment channel
- Only allowed when card is NOT the standard payment method
- Must be flat fee (not percentage)
- Can apply to ALL card types (credit AND debit)
- Common in: government, utilities, schools, rent payments
Surcharges
- Charged specifically to offset credit card processing costs
- Allowed at point of sale where cards are standard
- Usually percentage-based
- ONLY credit cards (never debit)
- Common in: retail, restaurants, service businesses
Understanding Interchange Fees
The foundation of all credit card processing costs. This is what merchants ACTUALLY pay.
💳 Common Interchange Rates (2025)
🎯 Why Interchange Varies
- Card Type: Rewards cards cost more than basic cards
- Transaction Type: Card-present vs card-not-present
- Industry: Grocery/gas stations get lower rates
- Business Size: Large merchants negotiate lower rates
- Data Quality: Level 2/3 data can lower B2B rates
Processor Pricing Models
Understanding how processors charge helps you negotiate better rates and avoid hidden fees.
Interchange Plus (IC+)
Most Transparent- ✅ You see actual interchange costs
- ✅ Easy to compare processors
- ✅ Best for most businesses
Flat Rate
Simple but Pricey- ✅ Simple, predictable pricing
- ✅ No monthly fees usually
- ⚠️ Overpay on debit transactions
Tiered Pricing
Avoid If Possible- ⚠️ Processor decides tier placement
- ⚠️ Most transactions hit higher tiers
- ❌ Hidden profit for processors
Subscription/Membership
High Volume Winner- ✅ Lowest per-transaction cost
- ✅ Best for $20K+/month volume
- ⚠️ Monthly fee regardless of volume
🎯 ISO Agent Resources
Use this information to educate your merchants and differentiate yourself from competitors who just sell boxes.
POS Hardware Comparison
Compare 85+ devices from Clover, Square, Toast, SpotOn, SkyTab, TouchBistro, Heartland, Adyen, Dejavoo, NRS, Ingenico, Verifone, PAX and more. Official 2025 pricing.
Grow Your ISO Business
Use POS Fit Index to differentiate yourself, generate qualified leads, and close more deals with a consultative, data-driven approach.
AI Pitch Deck Generator
★ FeaturedGenerate a professional, printable pitch deck based on your last assessment. Includes business snapshot, top recommendation, pricing, and next steps - all branded with your info.
Objection Handler
AI-powered responses to common merchant objections. Select an objection to see the best response strategies.
Quick Savings Calculator
Generate instant price comparisons. Enter merchant details to show potential savings.
Competitive Intel
Quick competitive intelligence on any POS system. Know strengths, weaknesses, and how to position against them.
Industry Sales Playbook
Get industry-specific talking points, pain points to address, and what NOT to say for each vertical.
ROI Pitch Generator
Calculate and present savings in a way that resonates with merchants. Great for in-person pitches.
Surcharge Impact Calculator
Show merchants how much they could save by implementing compliant surcharging or cash discount.
Talking Points Generator
Generate customized talking points based on the last assessment. Perfect for follow-up calls.
🚀 Ready to Close More Deals?
Use the assessment tool to qualify merchants and generate personalized recommendations.
ISV Payment Partnerships
Turn your software into a revenue-generating payment platform. Embed payments directly into your application with Propelr's flexible, white-label ready APIs.
⚡ Why Choose Propelr for Embedded Payments?
🔧 Simple Integrations
White-label ready, developer-friendly APIs offer a straightforward path to embedded acceptance. Get live in weeks, not months.
💰 Transparent Revenue Share
Transform payment acceptance into recurring revenue. Earn on every transaction flowing through your platform—many partners earn 6-7 figure residuals.
🎯 Pricing Power
Full autonomy to control your agreement pricing and terms. Maximize monetization potential on your own terms.
🔓 Agnostic Gateway
Limitless optionality—from payment devices and acquirer connections to operating systems. You're never locked in.
❤️ User Retention
Embedded payments create "stickier" experiences. Customers who process payments through your platform are 3x less likely to churn.
📈 GTM Support
Cross-functional team of payments experts help drive adoption through targeted sales and marketing initiatives.
Referral Model
Simply refer merchant leads. Propelr handles all sales, onboarding, and support. You earn residuals passively.
API Integration
Embed payment functionality via APIs. Maintain your brand, get compliance support. Revenue share on every transaction.
PayFac-as-a-Service
Full payment facilitation under your brand without becoming a registered PayFac. Maximum revenue, managed risk.
✅ ISV Payment Partner Checklist
Use this checklist when evaluating payment partners. Propelr checks every box.
📋 Technical Requirements
- ✓ Modern, well-documented APIs
- ✓ Multi-platform support (web, mobile, desktop)
- ✓ White-label/embedded options
- ✓ Sandbox environment for testing
- ✓ Card-present device options
💰 Revenue & Pricing
- ✓ Transparent revenue share model
- ✓ Pricing autonomy for partners
- ✓ No hidden fees
- ✓ Flexible contract terms
- ✓ Volume-based tier improvements
🛡️ Security & Compliance
- ✓ PCI Level 1 certified
- ✓ Built-in tokenization
- ✓ Fraud protection tools
- ✓ EMV/3D Secure support
- ✓ Regular security updates
🤝 Partner Support
- ✓ Dedicated partner manager
- ✓ Integration support team
- ✓ 24/7 merchant support
- ✓ Co-marketing opportunities
- ✓ GTM strategy assistance
🏭 Vertical Software Use Cases
Propelr powers embedded payments across dozens of verticals. Here's how ISVs in different industries monetize payments:
Restaurant POS
Table-side payments, split checks, tip management
Healthcare
Copay collection, HIPAA-compliant, recurring billing
Home Services
Field payments, financing options, invoicing
Retail
Omnichannel, inventory sync, loyalty programs
Salon & Spa
Booking integration, tips, membership billing
Education
Tuition, fees, payment plans, ACH
Trusted by Industry Leaders
🚀 Getting Started with Propelr
Contact Us
Tell us about your software and payment needs.
Solution Design
Our specialists identify the best-fit integration model.
Integration
Our engineers help finalize and certify your integration.
Launch & Grow
Go live with embedded payments. Start earning revenue.
Ready to Monetize Payments?
Join the $16B ISV payments revolution. Transform your software into a revenue-generating payment platform.
Propelr is a registered ISO of Wells Fargo Bank, N.A. and Woodforest National Bank
Sources: McKinsey Global Payments Map (2025), Worldpay Embedded Finance Report, The Strawhecker Group ISV Study, PayCompass, Forbes Embedded Finance Report ($84B market)