Compliant Credit Card Surcharging
Recover 100% of your credit card processing fees with a state-compliant surcharge program—automated rate management, proper receipt formatting, and full regulatory adherence.
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What Is Surcharging?
A surcharge is a small fee added to credit card transactions to offset processing costs. When implemented correctly, it's fully compliant and transparent.
The Partner Journey
Credit Card Transactions
A surcharge (up to 3%) is applied to credit card payments to offset processing fees.
Debit Card Transactions
No surcharge is ever applied to debit cards—fully compliant with card brand rules.
Cash Payments
Cash customers pay the posted price with no additional fees.
Compliance-First Approach
Surcharging is legal in most states but requires careful compliance. Our platform handles everything automatically.
State-by-State Rules
Automatic compliance with surcharge laws in each state—including states where surcharging is prohibited.
Card Brand Compliance
Full adherence to Visa, Mastercard, Amex, and Discover surcharge rules and notification requirements.
Receipt Formatting
Surcharge is always disclosed as a separate line item, compliant with all regulations.
Auto Rate Management
Surcharge rates automatically adjusted to stay within the legal maximum (currently 3%).
Registration Handled
We manage the card brand notification/registration process on your behalf.
Fee Recovery Reporting
Track exactly how much you're recovering with detailed surcharge analytics.
Business Savings
100% Fee Recovery
Recover the full cost of credit card processing from credit card transactions.
Immediate Impact
Start recovering fees from the moment your surcharge program goes live.
All Terminals
Works with all major terminal brands and POS integrations.
Implementation
Turnkey Deployment
We configure terminals, provide signage, and handle card brand registration.
Custom Signage
Compliant point-of-sale signage and entry-point notices included.
Staff Training
Training materials and scripts for staff to explain the program to customers.
Frequently Asked Questions
Is surcharging legal?
What's the maximum surcharge rate?
Can I surcharge debit cards?
Do I need to register with the card brands?
Ready to Recover Your Processing Fees?