Credit card surcharging for interior design firms, within the rules

A surcharge program adds a disclosed fee to credit card payments to offset processing costs. Credit card surcharges where allowed. Roots configures card detection so debit and prepaid cards are never surcharged.
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Payment solutions for interior design firms

How each solution supports interior design firms

See what each option adds to the way your business takes and tracks payments.

Square Invoices

For interior design firms: Send itemized invoices for design retainers and project milestone invoices and track deposits, due dates and outstanding balances. Square Invoices sends unlimited invoices, estimates and contracts by email, text or link, with automatic reminders and cards or bank accounts on file. Deposit requests and multi-package estimates for design and procurement. Roots sets up your templates, schedules and accounting sync.
  • Build branded invoice and estimate templates with your terms and policies
  • Set up recurring series with card or bank account on file
  • Connect Square to QuickBooks Online or Xero and map your accounts
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Square Payment Links

For interior design firms: Share a checkout link for design retainers and project milestone invoices through messages, email or your website. Square Payment Links creates a secure checkout page you can share by email, text, social media or QR code, and reuse for standard fees. Links for consultation fees. Roots sets up the links, custom fields and reporting.
  • Create reusable links for your standard fees and deposits
  • Add custom checkout fields that collect only what you need
  • Place buy buttons and QR codes on your website and printed materials
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Square Point of Sale

For interior design firms: Bring design retainers and project milestone invoices into a point-of-sale workflow, with reporting organized around project codes, progress invoices and retainer balances. Square Point of Sale is Square's free POS app for taking payments in person, online and on the go. Showroom checkout for accessories. Roots Payments, an independent Square Reseller, configures it around how your interior design firm actually checks clients out.
  • Map your services, fees and products into the Square item library before your first client
  • Recommend and configure Square hardware for your front desk or field work (you buy it from Square)
  • Set team permissions so each role sees only what it needs
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Merchant Account

For interior design firms: Arrange a processing account for design retainers and project milestone invoices, with checkout methods matched to how customers pay. A dedicated merchant account underwritten for your interior design firm, with pricing you can read and a person to call. Underwriting that accounts for long-lead deposits.
  • Analyze your current statements and quote side by side
  • Prepare the underwriting package so approval moves quickly
  • Set up terminals, gateway and software connections
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ACH Payments

For interior design firms: Offer bank-account payments for design retainers and project milestone invoices, with authorization and invoice matching built into the workflow. ACH moves money directly between bank accounts, usually for far less than cards on large payments. ACH for large procurement invoices.
  • Set up authorization and verification
  • Configure payment pages and invoices
  • Handle returns and reporting
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$10,400.00 · ref ACH-7731

Credit Card Surcharging

For interior design firms: Plan credit-card surcharge disclosures for design retainers and project milestone invoices, keeping eligible card payments distinct at checkout. A surcharge program adds a disclosed fee to credit card payments to offset processing costs. Credit card surcharges where allowed. Roots configures card detection so debit and prepaid cards are never surcharged.
  • Check your state's rules
  • File required notice with card networks through your acquirer
  • Configure terminals, invoices and receipts

Credit Card Surcharging questions

Questions design firm firms ask about billing and payments.
A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan the workflow for interior design firms and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a design firm payments specialistAll interior design firms solutions