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Reduce your processing
fees with surcharging

Programs designed to save you money and follow the proper rules.

What is Surcharging?

Surcharging, often referred to as “checkout fee,” is an additional cost merchants often add to the listed price of goods or services for credit card purchases to delegate the fees incurred by accepting credit cards to their customers.

Economic issues and limitations caused by the pandemic have increased the hardships faced by both merchants and consumers, as a result we see an increased popularity in surcharging with (23%) of merchants reporting they used surcharging to offset card processing fees. Those who did charged their customers an average fee of 2.7%

  1. Starting April 14, 2023, merchants who intend to surcharge are no longer required to register with Visa.
  2. The maximum allows surcharge in the US will be reduced to 3% from the current 4% maximum.
  3. In the U.S. Surcharging is prohibited in Connecticut, Massachusetts, and Puerto Rico. Colorado allows surcharging, but only up to 2%.
  4. Canada allows surcharging, but only up to 2.4%
What do Customers Think?

A survey of consumers conducted in Nov. 2021, found that (50%) of consumers reported paying a surcharge fee at least once. Approximately, (85%) reported paying when presented a surcharge fee.

Pros and Cons

Lower card processing fees

Debit and prepaid cards have no added fees for customers

Customers may refuse to pay

Customers may feel they are being penalized for using credit card

Cash Discount

Has no card processing fees

Reduced chargebacks

Customers tend to spend more when using credit cards

Merchants may spend more time and resources taking deposits to the bank

Save Money Today with Surcharging!

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