“Can a vendor-neutral surcharging compliance layer become the standard 'sales-tax engine for card fees' across every US/Canada payment stack?”
InterPayments positions itself as 'Payments Switzerland' — a Managed Surcharge Provider that layers compliant credit-card surcharging on top of any existing payment gateway, rather than replacing acquirers or processors. The company expressly does NOT monetize payment flow itself; its revenue model is fee-recovery/surcharge SaaS with a compliance indemnification guarantee across US states, Canadian provinces, and card brand rules. Growth has come via partner distribution with major gateways/processors (Worldpay/FIS, Stripe) and ERP embedding (NetSuite, SAP, Epicor).
InterPayments processes payments through Stripe, Worldpay, Cybersource, Authorize.net, NMI, PayTrace, CardConnect, CenPOS and 1 other.
InterPayments integrates with NetSuite, SAP, Microsoft Dynamics, Epicor Prophet 21/Eclipse and Kerridge.
The Embedded Finance Index 2026 maps 2 layers in InterPayments's stack: Payments / PSP (Stripe, Worldpay, Cybersource, Authorize.net and 5 others); Accounting (NetSuite, SAP, Microsoft Dynamics, Epicor Prophet 21/Eclipse and 1 other).
InterPayments is founded in 2020 and headquartered in San Francisco, CA, USA.
InterPayments has raised $5M (LinkedIn) / $9M Series A (PitchBook) in total (latest round: Series A).
Get a read on where your own stack stands against InterPayments and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.