Surcharging & Cash Discount

International Bancard's surcharging and cash discount program - InBalance - is for businesses that would like to lower their credit card processing fees. By taking part in the InBalance program, businesses can supplement and lower the costs of accepting credit card payments.* 

InBalance is a unique surcharging and cash discount program that offers our clients the opportunity to offset credit card processing fees, virtually eliminating the cost of accepting credit cards. 


InBalance allows businesses to charge a small non-cash adjustment for customers who pay with credit cards, which supplements the cost of acceptance. Any customer who pays with alternative forms of payments, such as cash or gift cards, will not have to pay the non-cash adjustment. International Bancard offers the latest technology on the market to give businesses the ability to create their own surcharging program. Our terminals are EMV chip card-ready and come standard with NFC contactless readers for Apple Pay, Google Wallet, Samsung Pay and more. 

A Certified Payments Professional at International Bancard will help your business eliminate the cost of credit card processing fees through our terminals. 

*Some restrictions apply. Contact International Bancard to learn more. 


The International Bancard Building 

1505 Woodward Ave. Detroit, MI 48226

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International Bancard Corporation is a registered ISO of Wells Fargo Bank, N.A.,  Concord, CA and a registered ISO of BMO Harris Bank N.A.