From surcharging to invoicing — we have you covered.

We know you’re tired of paying high credit card processing fees. We’ve found a fully compliant, patient-friendly surcharging program that allows you to pay $0 for accepting credit cards.

With options for accepting payments in person, in office and online, there’s a solution for your business. Required signage is provided, and there are no monthly fees or contract.

In person, in office, online payments

Pricing examples:

Sell $100 on a credit card → receive $100 in your account

  • You pay 0%
  • Your customer’s fee is 3.50%

Sell $100 on a debit card → receive $98.75 in your account.

  • You pay 1% plus $0.25*
  • Your customer’s fee is 0%

Accepting credit cards at no cost has never been easier.

If you’re looking for a mobile option, there’s an app for that!

Our mobile app allows you to:

  • Accept payments
  • Email and text receipts
  • Send invoices

Plus, use the virtual terminal to manually enter card information, view transactions by users and generate invoices.

All of the features you need, at a price point you can afford.

Want to keep it simple with stand-alone terminals? We sell Ethernet, Wi-Fi and wireless terminals.

Our terminals accept contactless cards and digital wallets. Terminal brands include Pax, Castle, Verifone and Dejavoo.

Retail Council merchants also receive discounts on receipt paper.


Put the Retail Council and APTA NY to work for you.

Contact the Retail Council — APTA NY’s member benefit partner

(518) 465-3586 or


Thank you for subscribing!  Make sure to check your SPAM filter if you aren't receiving our emails in the future. 

You have Successfully Subscribed!