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.

Guides / Glossary | Centurion Payment Services

Guides / Glossary on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.

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Card Processing — Card Processing on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Mobile Payments — Mobile Payments on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Web Processing — Web Processing on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
High Risk Payment Processing — High Risk Payment Processing on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
High Risk Merchant Accounts — High Risk Merchant Accounts on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
High Risk Credit Card Processing — High Risk Credit Card Processing on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Recurring Billing — Recurring Billing on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Brick And Mortar — Brick And Mortar on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
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Support Center — Support Center on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
EMV Chip Cards — EMVChip Cards on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Privacy Policy — Privacy Policy on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Terms Of Service — Terms Of Service on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
PCI Compliance — PCICompliance on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Calculate Rate — Calculate Rate on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Resource Hub — Resource Hub on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Knowledge Center — Knowledge / Knowledge Center on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Merchant FAQ — Knowledge / Merchant FAQ on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Statement Analyzer — Statement Analyzer on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Cash Discount — Cash Discount on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Apply — Apply on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Adult Payment Processing — Adult Payment Processing on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Industry Page — Industries / Industry Page on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
CBD Merchant Accounts — CBDMerchant Accounts on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Small Business Credit Card Processing — Small Business Credit Card Processing on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Become An Agent — Become An Agent on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Agent Calculator — Agent Calculator on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
Merchant Surcharge Program — Merchant Surcharge Program on Centurion Payment Services. A premium, secure payment processing platform designed to streamline global tran.
SEO Index — Seo / SEO Index on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Our Process — Our Process on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
How Credit Card Processing Works — How Credit Card Processing Works on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Merchant Account Types — Merchant Account Types on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Cannabis Seed Processing — Cannabis Seed Processing on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Pricing Page — Pricing Page on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Solutions — Solutions on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Benefits — Benefits on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
CC Bill Intake — CC Bill Intake on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Admin Portal — Admin / Admin Portal on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
Agent Portal — Agent Portal on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.
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Glossary — Guides / Glossary on Centurion Payment Services. Centurion Payment Services helps you organize, track, and share your work in 1.