Stop Paying Credit Card Fees. Pass Them On.
Pass your credit card fees to customers — automatically and compliantly. Most merchants save $20,000–$60,000 a year.
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Sale Amount
$85.00
High-Risk Merchant?
Adult, CBD, firearms, nutraceuticals & more — apply instantly online.
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Merchant Surcharge Program
Recover your credit card processing costs by passing eligible fees directly to customers who choose to pay with credit cards.
Recover Costs
Pass credit card fees directly to customers
Flexible Rates
Set surcharges from 1-3% per state regulations
Automatic
Applied automatically at checkout
Compliant
Full state and card brand compliance support
How It Works
- Set surcharge rates between 1.0% - 3.0%
- Automatically applied to all credit card transactions
- Customers are clearly notified before checkout
- Separate tracking in settlement reports
- Full compliance with state laws and card brands
Example: 3.0% Surcharge
$300On a $10,000 monthly sales volume
Monthly Surcharge Revenue
$3,600/year
✓ State Compliance
We handle all state-specific requirements, rate limits, and disclosure compliance.
Available in 47+ states
How It Works
Submit your last processing statement
Takes 2 minutes. Snap a photo or upload a PDF — any format works.
Our CPA reviews it and shows you exactly what you're overpaying
A dedicated account rep personally analyzes every fee line-by-line and delivers your audit within 24 hours.
We switch you in 48 hours — same gateway, zero downtime
Keep your terminal, your gateway, your setup. We do the heavy lifting so you never miss a transaction.
Our Promise to You
We beat your current rate.
Guaranteed.
Send us your last processing statement and we'll show you exactly how much you're overpaying — at no cost, no obligation.
The 3 C's of Centurion
Three principles that have made us the trusted payment partner for thousands of businesses across the United States.
Commitment
Lowest Rates Guaranteed
CPS guarantees the lowest rates by working directly with the first and second largest processors in the industry. We have the buying power of the largest corporations in the US — and we pass those savings directly to you.
- Easy and hassle-free EMV/chip card processing
- Quarterly reviews for the best rates available
- Zero chance of service disruption
- Free installation & technical support
Customized
Tailored To Your Business
CPS will assess your merchant processing needs and help you offer a wide range of services — from mobile solutions to brick-and-mortar retail. We customize a plan built specifically for you.
- Mobile processing solutions
- Web-based processing
- Apple Pay & contactless payments
- EMV card processing solutions
Client-Centered
You Are Our Priority
You, the client, are always the focus. CPS processes transactions for retail, online, and any business that wants to offer credit card processing. We always do what's best for our clients.
- Boutique 24/7 customer service
- Dedicated account managers
- Transparent, honest pricing
- Free contract buyout available
Credit card processing, made simple
Simple, transparent, and built for businesses of every type and risk level.
Card Processing
Accept all major credit and debit cards with ultra-low latency, industry-leading approval rates, and easy EMV/chip card processing.
Brick & Mortar Retail
Full point-of-sale solutions for physical storefronts with free terminal installation and hands-on technical support.
Web-Based Processing
Seamlessly accept online payments through a secure, PCI-compliant web gateway optimized for conversions.
Mobile Payments
Apple Pay, Google Pay, and tap-to-pay solutions with full mobile SDK integration for on-the-go businesses.
High Risk Merchants
Specialized processing solutions for high-risk industries that traditional processors turn away. Low Risk – High Risk – All Risk!
Recurring Billing
Flexible subscription and recurring billing management with automated invoicing and smart retry logic.
Built on honesty, built for you
We obsess over every rate and every transaction so you don't have to.
Lowest Rates Guaranteed
We work directly with the first and second largest processors in the industry — giving us the buying power of the largest corporations in the US to pass savings to you.
Ranked #1 in PCI Compliance
Your information is important to us. We are ranked #1 in PCI compliance, with bank-grade security, end-to-end encryption, and EMV chip card support.
Boutique 24/7 Support
Our boutique customer service team is available around the clock. If you have a problem, we have answers — with quarterly reviews to ensure you always have the best rates.
Fast, Hassle-Free Setup
Free installation and technical support included. We handle everything so you can start accepting payments quickly with zero chance of service disruption.
Been Denied or Dropped? We Specialize in High-Risk.
Most processors won't touch your industry. We've built our entire infrastructure around getting high-risk merchants approved fast — and keeping them processing.
Industries We Serve
Don't see your industry? Contact us — we review all verticals.
Transparent rates, guaranteed lowest
We partner with the largest processors in the US to pass the savings directly to you — no hidden fees, no surprises.
Low Risk
Standard businesses & retail
Guaranteed rates
- All major cards accepted
- EMV / chip card processing
- Free terminal installation
- 24/7 customer service
- Quarterly rate reviews
- Free technical support
- Zero service disruption
High Risk
Challenging & specialty industries
Tailored to your industry
- Everything in Low Risk
- High-risk underwriting
- Chargeback management
- Fast approvals
- Dedicated account manager
- Industry-specific solutions
- Contract buyout available
Enterprise
Large volume & multi-location
Based pricing
- Everything in High Risk
- Volume-based discounts
- Multi-location support
- Custom integrations
- White-label options
- SLA guarantees
- On-site support available
Prefer to talk? We'll review your current statements and show you the savings.
Call (561) 221-CARDPass the fee. Keep the profit.
With our Cash Discount Program, customers who pay by card cover the 3% processing fee — so you pay nothing to accept credit cards.
* Savings are estimated. The 3% surcharge is collected directly from your customers at the point of sale — you keep 100% of your revenue. Centurion bills merchants at the end of each month to recoup any applicable fees.
Our happy clients
Real businesses. Real savings. See what merchants saved in their first month.
Switched in two days. Our first statement with Centurion saved us over $400 compared to what we were paying. I wish we'd done it sooner.
As an eye doctor's office we process a lot of cards. Centurion cut our effective rate by nearly a full percent. That's real money every month.
I run a nutraceuticals brand. Two processors dropped us in 18 months. Centurion got us approved in under 24 hours — been processing ever since.
I uploaded my statement on a Monday. By Wednesday we were live on Centurion at a lower rate. Zero downtime. Zero headaches.
How much can you save?
Slide to see your savings instantly
You save per year with Centurion
$1,200.00
vs competitors charging 110 bps
This is an estimate based on volume. Your actual rate depends on your business type and payment patterns. Contact us for a personalized quote.
Accept cards for absolutely free
Our Cash Discount Program lets you eliminate processing fees entirely by passing the small service charge to card-paying customers — just like a gas station does.
- Pass the 3% processing fee to card-paying customers
- Keep 100% of every sale — $0 in monthly fees
- Compliant signage & terminal setup included
- Go live in under 48 hours
Without Cash Discount
With Centurion Cash Discount
You save every year
$18,000
Based on $50K/month volume at 3%
Know Exactly What You're Overpaying
Upload your current merchant processing statement and our AI will break down every fee you're paying — then show you your personalized Centurion rate in under 60 seconds. No sales call required.
Upload Statement
Drop up to 3 of your current processing statements
AI Analyzes Instantly
Our AI reads every fee and rate in under 60 seconds
Get Your Savings
See exactly how much you'd save switching to Centurion
Free · No Obligation · Instant
See Your Savings in 60 Seconds
Most merchants are overpaying by 20–40% without knowing it. Upload your statement now and find out in less than a minute.
Sample Output
*Example only. Results vary.
Get your free rate audit
Upload your statement and a dedicated account rep will return your full audit — with exact savings — within 24 hours. No commitment, no pressure.