BlueSnap Snags BTR for Its Credit Card Surcharging Platform

BTR, a truck-rental company, has compensated for almost $400,000 in annualized credit card acceptance costs through a surcharging a capability provided by payments processor BlueSnap Inc., according to data the processor released Wednesday.

Waltham, Mass.-based BlueSnap launched its surcharging API in January in recognition of cases in which merchants want to recover the fees they pay for credit card acceptance. BTR, based in Tampa, Fla., can have as many as 1,000 trucks rented out at any given moment, leading the company to adopt a capability from BlueSnap called AR Automation. The parties say the move has led to the card surcharge capability as well as some 1,940 labor hours saved.

The API enables credit card surcharges of up to 3% of the bill, according to BlueSnaps January announcement and is set to comply with card network rules and state laws, BlueSnap says. The application of such surcharges can be tricky, given prohibitions and restrictions imposed by network rules and bans and restrictions in some states. Connecticut, Maine, and Massachusetts ban surcharges, while California, Colorado, New York, and Oklahoma mandate disclosures to consumers before the transaction.

Surcharges appeal to companies looking to compensate for credit card acceptance costs. A research effort in 2025 by JD Power found 34% of sellers imposed such surcharges. The research canvassed 3,841 small businesses. Surcharging practices are governed by rules set by the card networks as well as by state laws and payment processors.

For its part, BTR is focused on an increase in cash flow as well as savings in labor costs from its latest processing move. “BlueSnap has allowed us to eliminate so many labor hours that were once spent on collections and bank reconciliation,” says Justin Perez, BTR’s controller, in a statement. “We’re seeing improvements in collections and more cash coming in.”

Payroc WorldAccess LLC, a rival processor, acquired BlueSnap in July for undisclosed terms.