Surcharging is legal, complicated, and risky. This company turned all three into a service.
The wordmark, on the navy it was built for. InterPayments doesn't want to be seen at checkout - it wants to sit quietly on top of the payment stack you already run, and hand you back the credit card fees.
Here is a fact that annoys every merchant who has ever looked closely at a bank statement: accepting a credit card costs money. Somewhere between roughly two and four percent of the sale disappears into interchange fees, network fees, and processor markups. On a coffee, nobody notices. On a $40,000 invoice for building materials, the CFO notices very much.
You are allowed to do something about this. In most US states, and across Canada, a merchant can pass the cost of the card back to the customer as a surcharge. This is legal. It is also governed by more than seventy overlapping jurisdictional rules, a separate set of card-network requirements, different treatment for card-present versus card-not-present transactions, and a handful of states where it is restricted or banned outright. Get it wrong and the penalties come from multiple directions at once.
So you have a cost everyone would like to recover, sitting behind a compliance problem no finance team wants to own. That gap - the space between "we could do this" and "we're afraid to" - is the entire business of InterPayments.
InterPayments calls itself an independent Managed Surcharge Provider, which is a mouthful that means: they run surcharging for you as a service. They calculate the surcharge, apply it correctly for the customer's location and card type, keep it inside the payment flow, and produce the reporting. Crucially, they don't ask you to switch payment processors. The product sits on top of whatever stack you already have - via an API, embedded payment pages, a virtual terminal called PayLink, or integrations with platforms like NetSuite and, as of 2026, Stripe.
But the feature that makes the whole thing sellable isn't the software. It's the contract. InterPayments backs the service with what it calls a Compliant Surcharging Guarantee: it contractually prevents, defends, and indemnifies its clients against surcharge noncompliance - state, provincial, federal, and card-network. In other words, the company sells a piece of paper that says "if we're wrong, we pay the fine." Compliance, which is usually a cost center, is here the product.
The case studies are the pitch. One B2B SaaS company was paying out roughly $1.5 million a year in credit card fees; InterPayments recovered about 80% of that - not by renegotiating a single rate, but by compliantly passing surcharges to card-paying customers. A transportation company recovered 81% of its card fees. A building-materials enterprise saved millions. None of these required ripping out infrastructure. The rules didn't change. The plumbing did.
That is the quietly interesting thing about InterPayments. It isn't promising to disrupt your payment stack, reinvent checkout, or add a consumer app you'll download once. It is promising to make one specific, recurring, annoying cost partially disappear, and to absorb the legal risk of doing so.
The company traces to 2007, but its current shape dates to 2020, when it absorbed SurchX - a surcharging startup founded in 2017 - and consolidated around managed surcharging. SurchX's website now redirects to InterPayments. Chief executive Nagendra Jayanty registered the InterPayments name in California that year; he came to payments from the investment world, with earlier stops at PIMCO and Carlyle's Claren Road. There's a founder lesson buried in the rebuild: a category can be right and the first vehicle wrong. What matters is whether the problem is still sitting there when you come back to it. The card fees were.
In 2023 the company raised a $5 million Series A. In 2024 it shipped Product Level Surcharging, which lets a merchant apply different surcharge rates depending on the specific card product a customer uses. It sounds like a rounding error. At enterprise transaction volume, rounding errors are budgets. And in April 2026, InterPayments arrived on the Stripe App Marketplace, bringing indemnified surcharging to eligible Stripe Checkout and Payment Link users - meeting enterprise B2B merchants exactly where their card-not-present volume already lives.
The bet underneath all of it is simple and a little contrarian: that regulation is durable, that complexity compounds, and that somebody will always pay to make it go away.
"InterPayments contractually guarantees compliance with the 70+ jurisdictions that govern surcharging across the United States and Canada."
Plug in via API, embedded payment pages, PayLink, or a platform integration - Stripe, NetSuite, your ERP. Keep your existing processor.
The correct, compliant surcharge is calculated per jurisdiction and card type - selectively, so you decide who is surcharged and who isn't.
Real-time monitoring tracks every surcharged transaction and the fees recovered, so savings are visible, not theoretical.
The Compliant Surcharging Guarantee stands behind it - InterPayments defends and indemnifies against noncompliance penalties.
Calculates, applies, and reports compliant surcharges across 70+ US and Canadian jurisdictions, with contractual indemnification.
Out-of-the-box virtual terminal and hosted payment pages for compliant card-not-present surcharging.
Embeds compliant surcharging into your existing payment systems, invoice portals, and ERP flows - no processor swap required.
Applies different surcharge rates to different card product types to maximize compliant fee recovery.
Brings indemnified surcharging to eligible Stripe Checkout, Checkout Sessions, and Payment Link users.
Embedded compliant surcharging for NetSuite and other software platforms and invoice portals.
Fortune 1000 merchants, top-20 US banks, major payment processors, and software/ERP vendors - concentrated in verticals where a single transaction can be very large.
Manufacturing and distribution, transportation and logistics, professional services, financial services, and SaaS platforms - largely card-not-present environments.
The common thread: high-ticket B2B payments where a two-to-four percent card fee is real money, and where a compliance mistake is more expensive than the fee itself.
Established as a payments technology innovator focused on reducing merchant interchange costs.
SurchX launches to help merchants add compliant surcharges to e-commerce transactions.
InterPayments absorbs SurchX and consolidates around managed surcharging; the name is registered in California by Nagendra Jayanty.
The company raises a Series A to scale compliant credit card fee recovery.
Introduces surcharging at different rates per card product type - a first in the category.
Brings indemnified surcharging to eligible Stripe merchants, debuting at Stripe Sessions.
Looking for interviews or a product demo? Start with the company's Surcharge Education hub and its LinkedIn page, where product walkthroughs and announcements are posted. A dedicated public YouTube channel was not confirmed at the time of writing.