Integrater

About Integrater

Built on a simple belief: your business, your choice.

Every time a customer pays by card, someone absorbs the processing fee. For most small and mid-sized businesses, that someone has always been them, quietly eroding margins on every transaction.

Why we started Integrater

We started Integrater because we believe businesses should have the choice to pass those fees on to their customers. Large enterprises have had sophisticated tools to manage payment costs for years. Small businesses have been left with two bad options: eat the fees, or try surcharging on their own and hope they get it right.

Getting it wrong is costly. Card network rules, state-by-state regulations, disclosure requirements, and fee caps make surcharging a compliance minefield. A misstep can mean fines, chargebacks, or a terminated merchant account. And even when the fee is collected correctly, it often creates a mess in the books: surcharges that don't reconcile, revenue that's misclassified, and hours of cleanup at month-end.

We built Integrater so you never have to choose between saving money and staying compliant.

Surcharging done right

Integrater makes passing on fees safe, simple, and automatic.

  • Compliance built in

    We apply the right rules for card type, transaction type, and location, so surcharges stay within network and state requirements.

  • Clear customer disclosure

    Customers see exactly what they're paying, and why, before they pay.

  • Clean accounting

    Surcharges are recorded and reconciled correctly, so your books stay accurate and your accountant stays happy.

  • No guesswork

    You decide your policy. We handle the details.

Product 3: Lower rates through smarter data

Passing on fees is only half the story. We also want to make those fees smaller.

Product 3 uses AI to enrich every transaction with the detailed data card networks reward, such as line-item details, tax information, and customer codes. Transactions with richer data qualify for lower interchange rates, but submitting that data manually is tedious and error-prone. Product 3 does it automatically, in the background.

30%

Average drop in merchants' credit card rates, with no change to how they get paid.

Who we serve

Integrater is built for micro-merchants, small businesses, and the lower mid-market: the businesses that feel processing fees the most and have had the fewest tools to fight back. Our embedded payments platform starts at just $9/month, because saving money shouldn't cost a fortune.

Part of the Chargezoom family

Integrater is a product of Chargezoom, Inc., headquartered in Salt Lake City, Utah. Through Chargezoom's Payment Graph network, customers can also choose to securely save their payment details, making every future payment faster for them and for you.

Our promise

  • Keep more of what you earn.
  • Stay compliant.
  • Keep your books clean.

That's why we built Integrater, and it's what we deliver every day.

Keep the 2.9%. Keep your weekends.

Connect QuickBooks, keep your processor, and let Integrater handle both the compliance and the accounting. Instant signup, 14-day free trial, live the same day.

$9/mo + 10¢ per transaction after your trial. No contracts, cancel anytime.

Not ready to sign up? Get an instant custom demo