Credit card processing and merchant services in Frisco, TX
Frisco grew 18.2% from 2020 to 2025, well ahead of Fort Worth's 11.9%, and the city keeps the entire 2% local share of its 8.25% sales tax.
Frisco is adding people fast. The Census Bureau's July 2025 estimate put it at 236,955, up 18.2% from its April 2020 base of 200,531. That's well ahead of Fort Worth, which grew 11.9% over the same period.
Sales tax is the simple part. The Comptroller's current rate data lists the City of Frisco at 2%, the full local share Texas allows, so a sale at a Frisco location carries 8.25% and leaves no room for a transit or county tax. Plano charges the same 8.25% but gives half of its local share to the Dallas MTA.
The payment setup takes more thought if you book before you bill. Think of a deposit for a birthday party, a class pack bought on your website, or a balance due after an in-home consultation. Those are card-not-present payments, and card networks generally set higher interchange for them than for a card tapped at a counter. They also carry more fraud risk, so screening matters.
Texas narrows your options for passing those costs on. Debit and stored value card surcharges are banned outright, and the credit card surcharge ban is still in the statute, with a 2018 federal ruling that protected only fees at or below cost. Our Texas page has the details.
So work on the cost itself. Our online payments run AVS, CVV and velocity checks on web bookings, a payment link you send the customer collects a deposit without a card reader, and interchange-plus pricing shows what each kind of payment costs you. A free statement review puts real numbers on it.
Payment services we provide
Guides worth reading next
All guidesFees and pricing
Merchant discount rate: what it is and how to work it out
The merchant discount rate is what you pay to accept a card sale. What it includes, how it differs from your effective rate, and why surcharge caps use it.
Fees and pricing
How to reduce credit card processing fees, step by step
How to reduce credit card processing fees: a numbered playbook on pricing, keyed sales, address data, debit routing, junk fees, contracts and surcharges.
Surcharging and cash discount
Is it legal to charge a credit card fee? US and Canada
Is it legal to charge a credit card fee? Usually yes on credit cards within network caps, never on debit, and not in three states or Quebec. The rules by place.
Common questions
Why does all of Frisco's local sales tax go to the city?
The Comptroller's current rate data lists the City of Frisco at 2%, and Texas caps local sales taxes at 2% combined. With the city using the full amount, there's no transit or county share on top, and a sale at a Frisco location carries 8.25%. Plano, by contrast, splits its 2% between the city and the Dallas MTA.
Do online booking deposits cost more to process than in-store payments?
Usually. Card networks generally set higher interchange for card-not-present payments, such as a card typed into a booking page, than for chip or tap at a terminal. On interchange-plus pricing, each payment shows its own interchange category, so you can see what deposits cost next to your in-person sales.
Can a Frisco business add a card fee to deposits?
Be careful. Texas bans surcharges on debit and stored value cards outright. The credit card surcharge ban is still in the statute, with court protection only for fees at or below your cost. Talk to a Texas attorney before adding any card fee, and see our surcharging rules by state for how Texas compares.
How can a Frisco business cut fraud on online bookings?
Use the screening tools on your payment page: AVS compares the billing address, CVV checks the security code, and velocity rules flag a burst of attempts from one source. Our card-not-present guide covers the chargeback risk on payments taken without the card in hand.
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.