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CREDIT CARD SURCHARGING

Keep more money in your pocket by passing on the fees

Accept credit cards without sacrificing your profit. With compliant credit card surcharging, your customers cover the processing fees.
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Saving on fees = more opportunities to grow your business

Credit card surcharging lets you pass the cost of credit card processing back to customers — legally, transparently, and with full compliance. It’s a simple way to protect your margins and reinvest in what matters most.

In-Person Surcharging
When a person uses a credit card over debit

 

You Pay

0%

 

CUSTOMER PAYS

2.4%

*3% in most cases, certain card types and international transactions can impact the final rate charged to the customer.

Maximize your Margins

Maximize your Margins

Offset credit card fees by passing them to customers who choose to pay with credit — and hold onto more of your hard-earned revenue.

Empower Customer Choice

Empower Customer Choice

Let customers decide what works best for them. Credit card users cover the fee, while others pay the standard price — no surprises.

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Keep Your Prices Competitive 


Avoid blanket price increases. Surcharging helps you keep your listed prices sharp while protecting your profits behind the scenes.

Here’s how it works

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1. Enable Surcharging at Checkout

Clear signage and receipt-level disclosures let customers know about the credit card fee ahead of time. They always have the option to pay with debit or other fee-free methods.

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2. Notify Customers Clearly

Clear signage and receipt-level disclosures let customers know about the credit card fee ahead of time. They always have the option to pay with debit or other fee-free methods.

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3. Keep More of What You Earn

You recoup the cost of credit card processing — without raising your prices. That means more money back into your business, month after month.

Your revenue. Your rules.

Every dollar you save on payment processing is a dollar you can reinvest in growing your business.
Let’s do it!

Not sure if it’s right for you? We’ve got you covered.  

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Frequently asked questions, answered.

Credit card surcharging is the practice of adding a small fee to a transaction when a customer chooses to pay with a credit card. It helps businesses recover the cost of payment processing. We deep dive into this topic in our comprehensive guide to credit card surcharging. 

When a customer pays with a credit card, a predetermined surcharge is automatically added to their total. 

What does this means? Instead of you (the merchant) covering the cost of payment processing, your customer will see an additional percentage charge on their bill. This can save businesses thousands of dollars on fees.
Yes, surcharging is available for both card present (CP) and card not present (CNP) transactions.
Businesses use surcharging to reduce or eliminate credit card processing fees and protect their profit margins without raising prices for all customers. This allows businesses to keep their base pricing lower or use the cost savings to invest in other improvements for their business.
No, a surcharge applies only to credit card transactions, while a convenience fee is charged for offering an alternative payment method (like paying online instead of in person).
Surcharging is permitted in many U.S. states and Canadian provinces, but local laws can vary — so it’s important to confirm your region’s regulations before getting started. For example, in Canada, you cannot have a surcharge in Quebec.
No. Merchants must follow specific rules, including notifying credit card networks and clearly disclosing the surcharge to customers before applying it. If you are getting started with credit card surcharging, make sure that you train your staff on how to handle questions and have clearly signage at the point of sale.
You must display clear signage at the point of entry and point of sale, and include the surcharge as a separate line item on receipts.
Surcharging can help you reduce costs and keep prices competitive, but it may also impact customer perception if not communicated transparently. 
 
We’ve broken this down in more detail in our articles covering the benefits of passing off the fees to customers and the pros and cons of credit card surcharging.

Your revenue. Your rules.

Every dollar you save on payment processing is a dollar you can reinvest in growing your business.
Get started