Merchant services in Denver, CO

Colorado is one of the few states with its own statutory surcharge cap sitting below the card-brand ceiling, so Denver programs must be built to the state limit rather than the brand limit. Surcharges also may not be applied to cash, check, debit or gift-card redemptions. This state permits credit-card surcharging but imposes its own cap that sits below the card-brand ceiling, so the program has to be built to the stricter of the two. Debit and prepaid cards may never be surcharged. We size the program to the binding limit rather than the headline one. That is our working reading as of August 2026, not legal advice — we verify the current position as part of every engagement, because this area of state law has moved repeatedly through litigation.

In Colorado we would structure it as a surcharge or cash discount program. The cost of acceptance is presented to the cardholder rather than absorbed by you, within the card-brand ceiling and never on debit or prepaid cards. We install the disclosure, signage and receipt logic as part of the work, because that is where most zero-cost programs fail.

No — we are a Chicago practice, and we say so plainly rather than pretending to a local office. We work with merchants across the United States, and every engagement runs identically regardless of geography: statements in, arithmetic out, in writing. All of our software is designed and built in Chicago by our own team.

Send your three most recent merchant statements. We derive your effective rate, isolate the transactions that downgraded, and separate interchange and assessments — which are fixed for every processor — from the processor margin that is actually negotiable. It costs nothing, and if you are already priced competitively we will tell you that.

Yes. High-risk placement is underwriting work rather than rate shopping: we build the file against the acquirer's specific objection, negotiate reserve percentage and release schedule before signature, and set up redundant acquiring so a single category policy change does not stop your settlement.