Stax

JULY 7, 2025

In this post, we’ll explore what surcharging entails and how it helps you tap into zero percent credit card processing. TL;DR Surcharging is a method for businesses to offset credit card processing costs by passing them on to customers. To understand surcharging, you have first to understand credit card processing costs.

Credit Cards

Stax

JUNE 24, 2025

TL;DR Credit card processing fees eat into the profits of small businesses. Surcharging offers a way to pass credit card processing costs to the customer, letting businesses keep their earnings. Request a Quote Quick FAQs about Surcharging Q: What is surcharging in credit card processing? Clear communication is key.

Credit Cards

EBizCharge

JUNE 26, 2025

Set Your Surcharge Rate Find a solution that will automatically calculate and apply the correct legal surcharge rate, such as EBizCharge Ensure the system adjusts for varying card processing costs and stays within the 4% cap 5.

Best Practices

EBizCharge

JUNE 27, 2025

The customer pays the full transaction amount, including the fee, and the business receives the base sale amount, effectively eliminating payment processing costs from their side. It’s worth noting that while many payment processing solutions now support no-cost credit card processing, not all do so in a compliant way.

Credit Cards

EBizCharge

JUNE 23, 2025

The goal is to cover the processing fees that come with accepting those payments. Card networks typically cap it at 4%, and you can’t apply it to debit or cash payments. Handled properly, surcharging can be a smart, compliant way to manage processing costs. It won’t warn you if you exceed the card brand’s 4% cap either.

Credit Cards

EBizCharge

JUNE 23, 2025

The card networks generally allow surcharges, but they require strict disclosures and cap the fee you can charge. The courts have generally sided with merchants who argue they should be able to recoup processing costs. Watch for changes in state legislation or card brand rules that might require adjustments to your approach.

Credit Cards

Clearly Payments

AUGUST 14, 2024

North American payment processing fees are the highest in the world due to a combination of factors, including high interchange rates , which can exceed 2% per transaction, and the dominance of major card networks like Visa and Mastercard that control over 80% of the market. Unlike Europe, where interchange fees are capped at 0.3%

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