Eliminate Credit Card Fees with Summit Payments

Eliminate credit card fees with Summit Payments' surcharging solutions. Keep more of your revenue with our customized strategies that streamline operations and save you time and money.

Accept Payments Anywhere

In-Person, Virtual Terminal, On the Go


In-Person Payment Terminals
  • Seamless transactions on our customer-facing smart terminals.
  • Accept EMV-Chip and contactless payments with ease.
  • Receipts can be conveniently printed, emailed, or texted to your customers.

Virtual Terminal

Virtual Terminal Payment Form
  • Accept payments without needing a physical card reader.
  • Easily send payment links via text or email for quick and convenient transactions.
  • Handle various transaction types, including one-time and recurring payments.

On the Go

On the Go Payment
  • Accept payments anytime, anywhere, with your mobile device.
  • Intuitive app design for seamless payment processing.
  • Conveniently send payment links via text or email for remote transactions.

Surcharge as Easy as 1, 2, 3

iPOS Pays Payment terminal showing a $50 transaction to illustrate how easy surcharging is as 1, 2, 3.

Seamless Credit Transactions

💳 Enter payment amount

Enter the payment amount into the terminal. 

💳 3% Surcharge Applied

A 3% surcharge is automatiacally added to all credit card transactions, covering your processing costs.

💳 Tap, Insert, or Swipe

Customers complete the payment and you keep 100% of the revenue.

Fee-Free Debit Transactions

💳 Initiate the Transaction

Enter the purchase amount on the terminal. 

💳 Tap, Insert, or Swipe a Debit Card

The terminal recognizes the debit card and waives the surcharge before processing the payment.

💳 Customer’s win

Customers benefit from transparent pricing and avoid unexpected surcharges, enhancing their overall checkout experience.

Debit transaction terminal showing a $50 transaction with no surcharge applied

Why Choose Us?

Expertise You Can Rely On

Our team, with their extensive industry experience, is a pillar of trust. They are dedicated to ensuring your payment systems run smoothly and efficiently, giving you the confidence to focus on your business.

Customized Solutions

We understand that every business is unique. Our solutions are tailored to meet your specific needs, ensuring optimal performance and cost savings.

Focus on Growth

Our innovative surcharging solutions help eliminate credit card fees, allowing you to keep 100% of your revenue. This means more resources to invest in growing your business.

accountant using calculator

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Based on 12 reviews
July 9, 2024
Trustindex verifies that the original source of the review is Google.
We recently partnered with Summit Payments, and the experience has been exceptional! Their compliant surcharging program has significantly reduced our credit card fees, resulting in substantial savings for our practice. Not only that, but their modern payment gateway has streamlined our patient payment process, making it easier and more convenient for everyone involved. The team at Summit Payments is knowledgeable, professional, and always ready to help. We highly recommend their services to any business looking to enhance their payment systems and save money. Thank you, Summit Payments!
May 13, 2024
Trustindex verifies that the original source of the review is Google.
Brendon is always there when need help with our merchant account. He is very responsive and knowledgeable. I would recommend his company to anyone.
April 3, 2024
Trustindex verifies that the original source of the review is Google.
Summit Payments helped us reduce merchant fees by implementing a credit card surcharge program. Now, we’re saving a lot of money, and payments are streamlined thanks to their awesome payment gateway. I wish I would have made the change sooner.
March 4, 2024
Trustindex verifies that the original source of the review is Google.
So thankful for Brendon and Summit Payments. Brendon is an excellent source of information and a pleasure to work with. The payment platform interfaces with QuickBooks, is noticeably cost effective, and is very user friendly. Accurate Window and Door Center is thrilled to have this relationship!
September 26, 2023
Trustindex verifies that the original source of the review is Google.
You know how sometimes you don't realize how much pain you're in until you take an aspirin? Well, that was me with our former credit card processing company. Brendon stopped by to show me Summit's system and I didn't realize until that point how frustrated I was with the other company. Brendon took care of getting us set up and drove an hour to come down and show us how to use the new system. Even after all my chatting and asking incessant questions, Brendon didn't have to stay long because that's how straightforward the system is. We're very excited about how easy the recurring payments feature is to use and the card terminals have made taking payments a much smoother process. Brendon has been providing us with ongoing support and is available whenever I have a question. I really cannot recommend Summit Payments highly enough. Thanks for being my painkiller, Brendon.
August 24, 2023
Trustindex verifies that the original source of the review is Google.
Brendon helped us get set up with Summit payments. He has been very patient and polite from the beginning. He is very helpful and always quick to answer any questions or guide us when we need help. I highly recommend using Summit payments if you're wanting to accept credit/debit cards as a payment option. Thank you, Brendon we appreciate it.
April 5, 2023
Trustindex verifies that the original source of the review is Google.
I am a small business owner who believes in the power of good customer service. I am, unfortunately, rarely impressed with the service I receive from most interactions in which I am the customer. Summit Payments, however, is exceptional top to bottom in providing excellent customer service. Brendan will make sure you are always getting the best rates and takes most of the technology hassle out of credit card processing. He is always prompt in responding to any communication. I cannot recommend this company enough. If you are looking for a new payment processing service, please use Summit Payments.
November 25, 2021
Trustindex verifies that the original source of the review is Google.
I don’t give reviews unless I feel I need to. I have been a small business owner for over 30 years, the last 23 of which have been in the dry cleaning business, which means I have dealt with a ton of sale people vying for my business in one way or another. I met Mr. Brendon Degner when he walked into my shop off the street, not to sell me something, but to show me how he could help my business. His professional attitude, dress and demeanor told me he was worth listening to, and boy am I glad I didn’t point out the “NO SOLICITING” sign to him. Brendon is a very rare individual. He is first and foremost a family man, and secondly a professional at what he does. By professional I mean, he enjoys the people he works with and is willing to always step in and take care of any situation you may need help with. He always answers my phone calls with the first question being “How can I help you, what’s going on?” He has done more for my business by saving me money than anyone I have ever worked with. He takes excellent care of his clients. I always enjoy seeing him although it is not enough. When a problem does arise he listens to me and then offers options for me, in order to resolve the situation. He is fantastic at what he does. I urge you, if you are serious about your business and it’s efficiency level then this is the guy you need in your team. You won’t ever regret it. Thank you Brendon for everything you’ve done for us. Bill P Continental Cleaners # 10 & 20
September 8, 2021
Trustindex verifies that the original source of the review is Google.
Brendon @ Summit Payments has been amazing! He introduced us to PayTrace and it has been such a wonderful experience. He has seen us through the transition and continues to help us with any of our needs. I highly recommend Summit Payments for anyone looking for a smoother way to handle credit card transactions.
three credit cards on table

Our Services Include

Advanced Payment Terminals

  • State-of-the-art terminals for seamless in-person transactions.
  • Accept all major credit cards with zero processing fees.

Online Payment Gateway

  • Secure online payment processing.
  • Easy integration with your e-commerce platform.

Mobile Payment Solutions

  • Accept payments anywhere with our mobile apps.
  • Ideal for on-the-go transactions.

Virtual Terminal

  • Process payments remotely via phone or email.
  • Convenient for businesses without a physical card reader.

Recurring Billing System

  • Automate subscription payments effortlessly.
  • Perfect for businesses with regular billing cycles.

Ready to save with
Summit Payments?

Start optimizing with our Free Merchant Statement Analysis. This complimentary review from Summit Payments helps you understand fees, identify savings, and implement effective surcharging strategies to eliminate credit card fees. Here’s how you benefit:

Reduce Costs

Uncover hidden fees and overcharges to ensure you pay only what is needed.

Customized Solutions

Get personalized recommendations tailored to your business’s unique needs and customer behaviors.

Enhanced Efficiency

Learn how payment processing solutions and surcharging can streamline operations and save time.

Stay Competitive

Utilize the latest payment technologies to meet industry standards and consumer expectations.

Summit Payments

interchange optimization
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