Credit card processing and merchant services in Fort Worth, TX
Fort Worth grew 11.9% from 2020 to 2025, faster than Dallas, Austin or San Antonio. If you are opening here, it pays to set up card processing right the first time.
Fort Worth keeps adding people. The Census Bureau's July 2025 estimate put it at 1,028,117, up 11.9% since 2020, against 8.0% for San Antonio and 1.9% for Dallas. If you're opening a business here, the start is the best time to get card processing right, before a long contract or a poor rate gets locked in.
Fort Worth's 8.25% sales tax has a piece many Texas merchants never see: the Comptroller's city rate table shows 1% for the city, 0.5% for the Fort Worth crime control district and 0.5% for the Fort Worth MTA, on top of the 6.25% state rate. The city reaches into Tarrant and Denton counties, and the table shows the same 8.25% in both. Set it once and move on.
Card costs are the harder call. Fort Worth merchants work under the same unsettled state law as everyone else in Texas: a credit card surcharge ban that was narrowed in court but never repealed, plus a flat ban on debit card fees. We'd build your prices assuming you absorb card fees, then keep those fees low. On interchange-plus pricing, you see interchange at cost and our markup on its own line.
The 2022 Economic Census counted $16.1 billion in retail sales in Fort Worth, about $16,868 per resident. Whether you're opening a shop, a restaurant or a service business that bills on site with mobile payments, we'll set you up with no long-term contract and no cancellation fees. Our Texas page has the state rules, and a free statement review works for established businesses too.
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Common questions
What makes up Fort Worth's 8.25% sales tax?
The 6.25% state rate plus 2% local: 1% for the City of Fort Worth, 0.5% for the Fort Worth crime control district and 0.5% for the Fort Worth MTA, according to the Comptroller's city rate table. The Tarrant and Denton County parts of the city both total 8.25%.
I am opening a business in Fort Worth. What should I ask a processor?
Ask for interchange-plus pricing so you can see interchange separately from the markup, and ask about contract length and cancellation fees before you sign. With Clearo there is no long-term contract and no cancellation fee. Also ask how fast funds reach your bank; we offer same-day or next-day funding options.
Can a Fort Worth business pass card fees on to customers?
Only with care. Texas bans debit card surcharges outright, and its credit card surcharge ban is still in the statute, with court protection limited to surcharges at or below cost. A cash discount sits outside the statute's definition of a surcharge. Read our Texas page and get legal advice before you add any fee.
Can I take payments at a customer's home or job site in Fort Worth?
Yes. Mobile payments let you take cards with tap to pay on a phone or a mobile card reader, and a virtual terminal handles invoices, payment links and recurring billing for work you bill afterward. Our home services page covers the setup.
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Disclaimer: general information, not professional advice
This page is general educational information, not legal, tax, accounting or financial advice. Rules and rates vary by place and change, so confirm them with the official source and a qualified professional before you act. Full terms are in our Terms of Service.
Let's talk about your payments
Tell us about your business and how you take payments now, and a Clearo rep will reach out within one business day.