Credit card processing and merchant services in Plano, TX

Plano shares its transit tax with Dallas. The Comptroller lists Plano among the participating cities in the Dallas MTA, which has collected 1% since January 1, 1984, and its city rate table shows another 1% for the City of Plano. Add the 6.25% state rate and a sale at a Plano location carries 8.25%, the Texas maximum and the same total Dallas charges.

The Census Bureau estimated 293,028 residents in July 2025. If your company sells to other businesses, though, the invoice matters more than the register. Card payments on large invoices add up quickly. At a hypothetical all-in cost of 2.5%, a client paying a $6,500 invoice by card costs you $162.50, and that is usually when the idea of a card fee comes up.

Texas doesn't make that easy. Section 604A.0021 of the Business and Commerce Code says a seller may not surcharge a buyer who uses a credit card, and a 2018 federal ruling protected only surcharges at or below cost. Section 604A.002 bans surcharges on debit and stored value cards outright. We haven't found an exception for sales to other businesses; the exemptions are for government entities and for private schools that take cards for fees. Our Texas page explains where the courts left it.

So the practical work is lowering the cost and getting paid sooner. A virtual terminal sends invoices and payment links and runs recurring billing for retainers. Interchange-plus pricing shows the interchange on corporate and purchasing cards on its own line, so you can see what those payments really cost. Our professional services page covers firm setups, and a free statement review puts real numbers on your current rate.