Alternative Payment Methods Card Network Rules Debit Card 
Stax
JULY 7, 2025
You Can’t Opt Out of Credit Card Payments Opting out of credit card processing altogether is not a viable option. Competitive pricing: Surcharging lets business owners offer competitive pricing to customers who choose to pay with alternative methods, such as cash or debit card transactions.
EBizCharge
JUNE 19, 2025
They differ from blanket fees and don’t apply to cash, checks, or debit cards. A surcharge is added only when a customer uses a credit card. A convenience fee, on the other hand, is charged for offering an alternative payment method—like paying online instead of in person. Regulations can change.
EBizCharge
JUNE 18, 2025
A credit card surcharge vs. convenience fee comes down to when and why the fee is applied. A surcharge is added specifically for using a credit card, while a convenience fee is charged for offering an alternative payment method, like paying online instead of in person.
EBizCharge
JUNE 17, 2025
At EBizCharge, we help businesses implement surcharge programs that reduce costs without violating card network rules or state laws. What Is a Credit Card Surcharge? For example, if a school accepts checks but allows online credit card payments, they might charge a convenience fee for the extra option.
Payment Savvy
JULY 12, 2024
A convenience fee is an additional charge added to a customer’s bill when they use a non-standard payment method. Essentially, it’s a way for businesses to offset the cost of processing these alternative payment methods while still providing a convenient option for customers.
Stax
JANUARY 15, 2024
TL;DR Credit card surcharging involves adding a fee to transactions with credit card payments, offsetting processing costs. It offers benefits, such as passing interchange fees to users, boosting profit margins, and encouraging alternative payment methods. Encouraging Alternative Payment Methods.
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