Prysm
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Three ways to pay for processing

Pick one, switch anytime. No monthly fees, no contracts. On the surcharge plans debit cards run at the standard rate; card networks do not allow surcharging debit.

You pay all
2.9% + $0.30

Visa, Mastercard and Discover. American Express is 3.5% + $0.30 from October 6, 2026.

  • ✓ Nothing to post or disclose
  • ✓ Keyed card payments included
Most popular
You pay 2.15%
2.15% + $0.30

On credit cards. Your customer covers a disclosed 1.35% card fee at checkout. Debit stays at 2.9% + $0.30.

  • ✓ Fee shown before the customer pays, itemized on the receipt
  • ✓ Credit only
  • ✓ Where state law allows surcharging
Customer pays
3–4.5% + $0.45

Your card price, above your cash price, set from your kind of business when you activate the plan. Card customers pay it on every card. You keep your full cash price on Visa, Mastercard and Discover. American Express costs you 0.3% + $0.15 of the card price, and a tip costs you at most 2.7% of the tip.

  • ✓ Works on debit too — the card price is your posted price
  • ✓ Prefer a 3% credit surcharge instead? Where allowed: your rate is 3% + $0.30 on credit and the surcharge is credited to you

Which one is legal for me?

Cash price
Every state, every card. Post the card price wherever prices are shown.
Surcharge plans
Most states, credit cards only, capped by law. Not permitted in Connecticut, Massachusetts, Maine, or Puerto Rico. Capped lower in Colorado and Illinois. Prysm applies your state's limit automatically.
Before you surcharge
Post the notice at your entrance and register, and tell the card networks 30 days ahead. Your dashboard walks you through both, then switches on by itself.

Everything included, nothing hidden

$0
monthly & setup fees
No
contracts or lock-in

Chargebacks are billed at the processor's dispute fee. Every plan includes the dashboard. Questions? Get started.