Offset up to 100% of your card processing fees.

Yes, in most of the United States, provided you follow the card brand rules and your state's law. The requirements are specific: cap the surcharge at your cost of acceptance and never above the brand ceiling, exempt debit and prepaid cards, disclose the fee before the customer authorizes payment, and itemize it on the receipt. Integrater enforces all of that automatically, and turns surcharging off where a jurisdiction prohibits it.

In practice it means nobody on your team touches a journal entry at month-end. The surcharge is recorded as income rather than netted against revenue, and the processing fee is booked as an expense in the correct period — automatically, as each payment posts. Your gross receipts stay intact for sales tax purposes, the deposit in QuickBooks matches the settlement from your processor, and your bank reconciliation closes with zero variance and no suspense-account cleanup.

Most processors will happily switch on a flat surcharge and stop there. That version usually applies the fee to debit cards, skips the required disclosure, ignores the rules in your customer's state, and sends a single net deposit to your bank that will never match a gross invoice in QuickBooks. Integrater handles the compliance logic and the accounting treatment together, because getting one right and the other wrong still leaves you with a problem.

No. Integrater is gateway-agnostic and connects to NMI, Authorize.net, Maverick Payments, Stripe, Fluid Pay, and more. You keep the processor and the rates you already negotiated. If your gateway is not on the list, tell us and we will look at adding it.

Two ways. You can key a card into the Integrater portal on a customer's behalf, or email the QuickBooks invoice with a branded payment link. The link carries your logo and colors, shows the surcharge disclosure before payment, and posts back to QuickBooks the moment it clears.

Never. Card brand rules prohibit surcharging debit and prepaid cards even when they carry a Visa or Mastercard logo. Integrater identifies the card type during checkout and drops the surcharge automatically, so the customer sees the correct total without you having to intervene.

Signup is instant. You authorize QuickBooks Online, connect your gateway credentials, set your surcharge rate, and you can take a payment immediately. Most businesses are live the same day, and the 14-day free trial gives you room to run real transactions before you pay anything.

This is where most surcharge setups fall apart. Refund a surcharged payment elsewhere and you are left unwinding the sale, the surcharge, and the fee by hand — often across two periods. Integrater reverses all three together as a single linked entry, so your books never drift and your sales tax basis stays defensible. Chargebacks post with matching offsets and stay linked to the original transaction, giving you a clean audit trail if you need to represent the dispute.

Yes. Surcharging can be enabled per customer or per invoice, which is common for businesses that surcharge commercial accounts but absorb fees for retail or contract customers. The accounting stays correct either way.