What is a merchant surcharge program?

A merchant surcharge program allows businesses to pass credit card processing fees (up to 3%) directly to customers who pay with credit cards. This is fully legal in 47+ states and can save merchants $20,000–$60,000 per year in processing fees.

What is a cash discount program?

A cash discount program offers customers a discount for paying with cash or debit, while customers who pay with credit cards pay the posted price which includes a service fee. This effectively eliminates credit card processing costs for the merchant.

How does Centurion compare to Square, Stripe, and Clover?

Centurion Payment Services consistently beats Square (2.6%+10¢), Stripe (2.9%+30¢), Clover (2.3-2.6%), and Heartland on effective rates. With our interchange-plus or surcharge programs, most merchants save 20-40% over their current processor.

Do you work with high-risk merchants?

Yes. Centurion specializes in high-risk merchant accounts including CBD, firearms, nutraceuticals, vape, adult content, travel, gaming, and more. We have dedicated high-risk banking relationships and fast approval times.

How quickly can I get set up with Centurion?

Most merchants go live within 48 hours of approval. We handle the entire setup process including equipment programming, gateway integration, and staff training.

What credit card processing rates does Centurion offer?

Centurion offers interchange-plus pricing, flat-rate pricing, and zero-fee/surcharge programs. Rates are customized based on your industry, volume, and processing history. We guarantee to beat your current rate or we'll pay you $500.

Is the merchant surcharge program legal?

Yes. Credit card surcharging is legal in 47+ US states. It is currently prohibited only in Connecticut, Massachusetts, and Puerto Rico. Centurion ensures full compliance with state laws and Visa/Mastercard regulations.

What types of businesses do you work with?

Centurion works with all business types: restaurants, retail stores, medical practices, law firms, auto dealers, salons, hotels, e-commerce, contractors, healthcare, dental offices, veterinarians, gyms, nightclubs, dispensaries, and more.

What is Centurion Payment Services?

Centurion Payment Services helps you organize, track, and share your work in 1 unified workspace. Built for teams and solo users who want clarity and speed.

Do Apple Pay and Google Pay cost more to accept?

No — contactless wallet payments process at the same interchange rates as the underlying card. With interchange-plus pricing from Centurion, you pay the same low cost either way.

Can I accept payments from my phone?

Yes — tap-to-pay on phone turns a modern smartphone into a terminal with no extra hardware. Perfect for mobile services, deliveries, markets, and events.

Is tap-to-pay secure?

Yes — contactless transactions use tokenization, meaning the real card number is never exposed to your device. It's more secure than magnetic stripe swipes.

Do you serve mobile businesses in Miami?

Yes — Centurion equips mobile and on-location businesses throughout South Florida with wireless and phone-based acceptance, all under our lowest-rate guarantee.

Miami - Contactless Payments

Tap-to-pay, Apple Pay, mobile readers, and pay-by-link — how Miami businesses accept payments anywhere without overpaying for the privilege.

Contactless Is Now the Default

Over 60% of in-person card transactions are now contactless — tap-to-pay cards, Apple Pay, and Google Pay. Customers in Miami expect to tap everywhere, from food trucks to medical offices. If your terminal makes them insert or swipe, you look outdated and checkout runs slower.

The good news: modern NFC-enabled equipment is inexpensive — and free from Centurion for qualified merchants.

Options for Every Way You Sell

Countertop smart terminals for storefronts. Handheld wireless devices for restaurants, mobile service pros, and events. Phone-based tap-to-pay that turns a smartphone into a terminal for international trade and other on-the-go businesses. Pay-by-link and virtual terminals for invoicing and phone orders.

All options support surcharge and cash discount programming, so mobile acceptance doesn't have to mean absorbing fees.

Stop overpaying on processing fees.

Free rate analysis for Miami businesses — response within 1 hour.

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Security and Speed

Contactless payments are tokenized and encrypted end-to-end — more secure than swiped cards and fully EMV compliant. Transactions complete in under two seconds, and next-day funding keeps your cash flow moving.

Upgrade for Free

Centurion places NFC-enabled equipment free with qualified accounts and guarantees the lowest processing rate — or we pay you $500. Call (561) 221-2273 or request a quote below; a specialist serving South Florida will respond within one business hour.