# InterPayments

> InterPayments is a San Francisco-based fintech that runs surcharging as a managed service. Merchants who accept credit cards get hit with interchange fees; passing those fees back to customers is legal in most of the US and Canada but governed by a patchwork of 70+ jurisdictions and card-network rules. InterPayments handles the calculation, application, and reporting of compliant surcharges, and contractually indemnifies its clients against penalties. It sells through embedded products (PayLink virtual terminal, hosted payment pages), an API, and integrations with platforms like NetSuite and Stripe, serving Fortune 1000 merchants, major banks, and payment processors.

- **Founded:** 2007
- **Headquarters:** San Francisco, California, United States
- **Founders:** Nagendra Jayanty (CEO)
- **Team size:** ~45 employees
- **Products:** Managed Surcharge Platform, PayLink Virtual Terminal, Surcharge API, Product Level Surcharging (PLS), Stripe App
- **Notable:** Helped a B2B SaaS client recover ~80% of credit card fees, roughly $1.5M annually., Enabled a transportation company to recover 81% of its credit card fees., First to market with Product Level Surcharging (2024).

## Products & services

- **Managed Surcharge Platform** — Core service that calculates, applies, and reports compliant credit card surcharges across 70+ US and Canadian jurisdictions, with contractual indemnification.
- **PayLink Virtual Terminal** — Out-of-the-box virtual terminal and hosted payment pages for compliant card-not-present surcharging.
- **Surcharge API** — API integration that embeds compliant surcharging into a merchant's existing payment systems, invoice portals, and ERP flows without replacing the processor.
- **Product Level Surcharging (PLS)** — Applies different surcharge rates to different card product types, maximizing compliant fee recovery.
- **Stripe App** — InterPayments on the Stripe App Marketplace, bringing indemnified surcharging to Stripe Checkout, Checkout Sessions, and Payment Link Sessions.
- **NetSuite & ERP Surcharging** — Embedded compliant surcharging for NetSuite and other software platforms.

## Achievements

- Helped a B2B SaaS client recover ~80% of credit card fees, roughly $1.5M annually.
- Enabled a transportation company to recover 81% of its credit card fees.
- First to market with Product Level Surcharging (2024).
- Launched on the Stripe App Marketplace (2026).
- Contractually guarantees compliance across 70+ US and Canadian surcharging jurisdictions.
- Trusted by Fortune 1000 merchants, top-20 banks, and major processors.

## Latest updates

- **2026-04** — Launched on the Stripe App Marketplace, with availability to eligible Stripe Direct Merchants and Platform users beginning at Stripe Sessions on April 29, 2026.
- **2024-06** — Unveiled Product Level Surcharging (PLS), enabling different surcharge rates per card product type.
- **2023-03** — Raised a $5M Series A to scale compliant surcharging.

## Links

- Website: https://www.interpayments.com
- LinkedIn: https://www.linkedin.com/company/interpayments

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Profile page: https://yespress.io/interpayments
Published by YesPress — https://yespress.io
Last updated: 2026-07-11