Pass the fee to the card.
Surcharging lets you add the processing fee to credit card transactions. The customer pays the fee instead of you. It’s legal in most states, requires proper disclosure, and we handle the compliance.
Three steps, one outcome.
The customer pays with a credit card. The fee is disclosed. You recover the cost.
- 1
Customer pays with credit
The surcharge applies only to credit cards. Debit, prepaid, and cash transactions are not surcharged.
- 2
Fee is disclosed at checkout
Signage at the door and the register, line item on the receipt. The customer sees the fee before they pay.
- 3
You recover the processing cost
The surcharge amount offsets your card processing fee. You keep more of the sale.
What the rules require.
Surcharging is regulated. State laws, card brand rules, and caps on the fee. We set it up right so you don’t have to track the details.
-
State rules
Surcharging is legal in most states, but a handful prohibit or restrict it. We check your state and set up your account accordingly.
-
Card brand requirements
Visa and Mastercard require registration, signage, and receipt disclosure. We handle the registration and provide the signage.
-
Cap on the surcharge
The surcharge cannot exceed your actual cost of acceptance or 3%, whichever is lower. We set the rate within those limits.
States with restrictions
As of 2026, surcharging is prohibited or restricted in: Connecticut, Maine, Massachusetts, Oklahoma. We check your state before setup. If surcharging isn’t available, we’ll tell you and discuss alternatives.
Recover costs, stay compliant.
- Cost recovery. The surcharge offsets your processing fee. You keep more of each sale.
- Signage included. We provide the required door and register signage. No guesswork.
- Receipt disclosure. The surcharge appears as a line item. Customers see exactly what they pay.
- Registration handled. Card brands require registration. We submit it for you.
- No debit surcharge. Debit cards are exempt. The system knows the difference.
Ready to stop absorbing the fee?
Tell us your state and how you take payments. We’ll confirm eligibility and get you set up with compliant surcharging.