For Arizona businesses in Phoenix, Tucson, Mesa, Scottsdale, Chandler, Flagstaff, and everywhere in between — start here to see how Flat Rate, Surcharge (eligible credit up to 3%), and Cash Discount (3.5% off card-inclusive posted prices) compare in plain language. Arizona needs a fresh CMS check at enrollment — we confirm current rules before anything goes live.
CMS sells only these three customer programs. Each page below is written for Arizona operators — not a thin copy of the national program pages.
Option 1
One clear blended rate for card sales. Built from your statement or your industry and payment mix — easy to compare with what you pay today.
Option 2
Keep cash prices the same. Where Arizona allows after CMS review, eligible credit can include a clearly disclosed surcharge — typically up to 3%. Debit and prepaid are never surcharged.
Option 3
Posted shelf or menu prices are card-inclusive. Cash and check get about 3.5% off that posted price. Separate from surcharge — different rules and disclosures.
CMS treats surcharge and cash discount as separate programs and confirms your operating state before activation. Arizona surcharge requires a fresh CMS check — we do not assume yesterday's rule still applies.
Arizona needs a fresh CMS check at enrollment. We confirm current state, card-brand, and program rules for your location — we don’t assume yesterday’s rule still applies.
CMS review required — current Arizona regulation and availability confirmed at enrollment.
Arizona — Available. You can offer a cash discount or dual pricing (cash price vs. card price) when prices are shown clearly. Cash discount is not a surcharge.
CMS confirms the details with you before anything goes live.
National Flat Rate → · National Surcharge → · National Cash Discount →
Local guidance is strongest for Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, Flagstaff, and businesses throughout Arizona. You get the same clear Flat Rate, Surcharge, and Cash Discount comparison wherever you operate — plain language, honest disclosures, no jargon.
Upload a recent processing statement if you already take cards, or start with industry, volume, and how customers pay if you are new. You stay on CMS pages for the next steps.
Start My Arizona Review →