Merchant resources in plain language.
Start with the three programs CMS sells — Flat Rate, Surcharge, and Cash Discount — then open Security & PCI, chargebacks, or the Interchange Plus knowledge guide when you want deeper background. Everything here is written for business owners, not processors.
CMS Flat Rate
One clear blended rate for card sales — how CMS builds a competitive flat offer from your business.
SurchargeCMS Surcharge Program
How eligible credit can help cover processing cost where your state allows. Debit is never surcharged.
Cash DiscountCMS Cash Discount Program
Posted prices include cards; cash and check get a clear discount. Separate from surcharge.
SecuritySecurity & PCI
Why annual PCI validation matters, how to complete compliance, and practical payment-security tips.
DisputesChargebacks
Prevention basics, documentation, and when to ask CMS for help with dispute response.
KnowledgeUnderstanding Interchange Plus
Educational guide to pass-through network costs — not a primary sales program on this site.