Dallas, TX · Elevated risk
Credit card processing for Dallas property management
Recurring rent where card interchange on a large monthly amount usually argues for ACH as the primary rail. Here is how that plays out for a property management company operating in Texas.
Texas · zero-cost position
Surcharging generally permitted
Our reading as of August 2026. Verified per engagement — not relied on from a web page.
Credit-card surcharging is generally reported as permitted in this state, subject to the card-brand rules: the surcharge may not exceed your actual cost of acceptance, it may never be applied to debit or prepaid cards, and it must be disclosed at the point of entry and again at the point of sale. A cash-discount program is also available if you prefer that framing.
Texas permits surcharging with disclosure. For Dallas professional-services firms the bigger lever is usually the rail rather than the program: on a large retainer, ACH versus card is a materially larger saving than any surcharge structure.
What Dallas means for a property management company
A large professional-services and agency market, where the honest ACH-versus-card comparison on big retainers usually saves more than any rate negotiation.
Rent is a large recurring amount, and card interchange on it is expensive enough that ACH should usually be the default with card as a convenience option. Property management also holds security deposits, which is future-delivery exposure, and mixes owner funds with tenant funds in a way that requires careful settlement design.
Where Dallas property management lose basis points
- Large recurring rent amounts on card where ACH would be materially cheaper
- Recurring indicators missing on card-on-file rent charges
- Owner and tenant funds settling into a single undifferentiated account
How we would structure it
- ACH-first rent collection with card as a disclosed convenience option
- Settlement architecture separating owner, tenant and operating funds
- Security deposit handling addressed explicitly at underwriting
- Recurring billing with dunning that does not require manual chasing
- Zero-cost structured as a surcharge or cash discount program for Texas, with the disclosure and receipt language installed as part of the work
Built in Chicago
EY Loma Solutions is a Chicago practice, and every piece of software we ship is designed and built here. When we build a property management company a custom CRM with payments inside it, that work is done by our own people in Chicago — not offshored and not white-labeled from somebody else's platform.
How our CRM builds workQuestions
Dallas property management, answered
Can Dallas property management legally run 0% cost processing?
Texas permits surcharging with disclosure. For Dallas professional-services firms the bigger lever is usually the rail rather than the program: on a large retainer, ACH versus card is a materially larger saving than any surcharge structure. For a property management company specifically, we would structure this as a surcharge or cash discount program sized against a $900–$6,500 recurring average ticket. As of August 2026 that is our reading of the Texas position, and we re-verify it as part of every engagement rather than relying on a page like this one.
What should a Dallas property management company be paying to process cards?
The only number worth comparing is your effective rate: total fees divided by total volume processed. For property management with a $900–$6,500 recurring ticket and a card mix that is recurring rent collection with ach preference, the cost drivers are specific — large recurring rent amounts on card where ach would be materially cheaper is the most common one we find. We derive your effective rate from three statements at no cost.
Do you have Dallas references, or are you remote?
We are a Chicago practice and we work with merchants across the United States, Dallas included. Every engagement runs the same way regardless of geography — statements in, arithmetic out, in writing. A large professional-services and agency market, where the honest ACH-versus-card comparison on big retainers usually saves more than any rate negotiation.
Is property management company in Texas hard to get approved?
Property management sit in an elevated-risk band. Most acquirers will write the category in Texas, but the underwriting looks closely at the specific exposures in this vertical, and a well-built file is what avoids a reserve.
Do you build custom CRM software for Dallas businesses?
Yes — all of our software is designed and built in Chicago. Frequently. Owner statements, maintenance workflow, lease terms and rent collection in one system is a strong build case. Builds are delivered with source code and full data export, with card, ACH and recurring billing embedded in the workflow.
Other businesses we work with in Dallas
All Dallas merchant servicesDallas property management: find out what you are actually paying.
A statement review costs you nothing and takes us under an hour. Surcharging generally permitted in Texas.