EBizCharge

JUNE 26, 2025

Adding a surcharge to credit card transactions can be a great way for businesses to offset processing costs but doing it right matters. Not every business adds a surcharge to credit card payments, but if you do, you may need to notify your customers, not just as best practice but by law. Some states have surcharge laws.

Credit Cards

EBizCharge

JUNE 30, 2025

Visa, Mastercard, and others all have specific processes for this. applies to credit card payments to cover processing costs.” ” Best practices: Add tooltips, banners, or brief notes next to the credit card payment option. This applies to both physical entry points and the checkout area.

Credit Cards

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

And the card networks like Visa and Mastercard have their own rulebooks. The dominant card networks—Visa, Mastercard, American Express, and Discover—had long prohibited merchants from adding extra fees for credit card usage. The courts have generally sided with merchants who argue they should be able to recoup processing costs.

Credit Cards

EBizCharge

JUNE 24, 2025

Getting Started: What Small Businesses Need to Know Each card brand—Visa, Mastercard, American Express, and Discover—has slightly different rules for surcharging. Best Practices for Communicating with Customers Being upfront with your customers makes a big difference. They often provide templates and support.

Credit Cards

EBizCharge

JULY 25, 2024

These fees are intended to cover the cost associated with credit card processing fees, which merchants pay to credit card companies such as Visa, MasterCard, or American Express for each transaction to purchase goods or services.

Best Practices

Stax

DECEMBER 20, 2023

Interchange is the fee that credit card companies like Visa and Mastercard charge businesses to accept their cards. How much does interchange cost? Visa interchange fees Mastercard interchange fees Discover interchange fees American Express interchange (OptBlue) What is the total cost of accepting credit cards?

Credit Cards

Stax

DECEMBER 20, 2023

This article explores the legal landscape surrounding surcharges, shedding light on the intricacies of state and federal laws and strategies for small businesses to manage processing costs. TL;DR Card brands such as Visa and MasterCard along with state and federal laws prohibit debit card surcharging.

Debit Card

Stax

JANUARY 15, 2024

Are you struggling with resource constraints caused by soaring credit card processing costs? TL;DR Credit card surcharging involves adding a fee to transactions with credit card payments, offsetting processing costs. It offsets the card processing costs, transferring the financial obligation to the latter.

Credit Cards

Stax

APRIL 2, 2024

As more businesses opt for a surcharge program to manage their ballooning costs, it’s important to be aware of best practices around notifying your customers about this additional fee to not only follow all legal requirements, but also provide a seamless customer experience. Learn More What is Credit Card Surcharging?

Credit Cards

Stax

SEPTEMBER 26, 2024

This practice promotes fair and stable pricing and guarantees you retain all your revenue. Credit card networks like Mastercard and Visa set a universal limit of 4% on these fees. Visa and Mastercard explicitly forbid surcharging on debit cards and prepaid cards to maintain consistency in processing costs.

Credit Cards

Stax

JANUARY 10, 2024

The exact rate can vary based on several factors, including the type of card used (debit or credit), the card brand (Visa, MasterCard, etc.), Viewing these costs individually makes it easier to understand what is contributing to your credit card processing costs and where you may be able to save money.

Credit Cards

Stax

JANUARY 24, 2024

However, the idea of applying a credit card surcharge to offset the processing cost of credit cards has always been a hotly debated topic. Simply put, a surcharge amount is an extra fee that some merchants choose to levy on customers to cover the costs of processing credit card payments. The rate varies between 1.3

Credit Cards

Stax

JANUARY 24, 2024

However, the idea of applying a credit card surcharge to offset the processing cost of credit cards has always been a hotly debated topic. Simply put, a surcharge amount is an extra fee that some merchants choose to levy on customers to cover the costs of processing credit card payments. The rate varies between 1.3

Credit Cards

Stax

FEBRUARY 5, 2024

That’s why understanding surcharging—including its definitions, types, calculating methods, and best practices—can help you incorporate surcharging into your operations. This surcharge covers the cost of processing credit card payments via platforms like Visa, Mastercard, and American Express. Let’s dive in.

Credit Cards

Stax

DECEMBER 13, 2023

Visa, Mastercard, American Express, Discover, etc.) One such guideline that credit card companies and certain US states impose is that you must inform customers that you practice credit card surcharging. TL;DR Credit card processing fees can add up quickly and eat into a business’s bottom line. before you can start surcharging.

Credit Cards

Stax

FEBRUARY 28, 2024

Customers who want to use their credit card have to pay an additional fee covering the processing costs. For anyone new to the term, surcharging is a payment processing option allowing merchants to pass on credit card fees. Customers who want to use their credit card have to pay an additional fee covering the processing costs.

Credit Cards

EBizCharge

AUGUST 15, 2024

A pass-through fee refers to the costs levied by card networks like Visa, MasterCard, and Discover. These fees are incurred by merchants for each transaction and are paid to the card-issuing banks as compensation for handling the credit risk and processing the payment.

Credit Cards

Stax

JULY 5, 2024

This fee falls under the category of of non cash adjustment—a term that a term that describes any additional charges applied to non cash payments to cover processing costs. Here, the noncash adjustment fee indicates that the customer paid with a debit or credit card and that the fee was added to cover the payment processing cost.

Adjustments

Stax

APRIL 4, 2024

The surcharge fee is paid by the customer and helps offset the processing cost for that particular transaction. The surcharge fee is paid by the customer and helps offset the processing cost for that particular transaction. Credit card surcharging is legal in most U.S. But it does have an impact on the customers.

Credit Cards

EBizCharge

JUNE 28, 2024

Credit card surcharges are also subject to regulations by the credit card networks such as Visa, MasterCard, and American Express, which enforce their own set of guidelines for surcharging practices. Consequently, merchants cannot profit from these fees; their purpose is solely to cover processing costs.

Credit Cards

Clearly Payments

JULY 11, 2024

The primary fees include: Interchange Fees: Interchange fees are paid by the merchant’s bank to the customer’s bank for processing the transaction. Visa, MasterCard) for using their network. These hidden fees can quickly accumulate, significantly increasing the overall cost of payment processing for merchants.

Process

EBizCharge

JUNE 7, 2024

When selecting a payment gateway , it’s essential to consider compatibility with Magento, the types of supported credit and debit cards (such as Visa, MasterCard, and American Express), and the ability to handle digital wallets and mobile payments.

Payment Gateways

EBizCharge

MAY 20, 2024

First, assess the types of NetSuite payment methods you want to accept, including major credit cards like Visa, MasterCard, and American Express, as well as digital payment options. Make sure your payment processing capabilities align with your customers’ preferred methods. How much does NetSuite payment processing cost?

Process

Segpay

MARCH 10, 2025

Credit & Debit Cards Traditional payment methods like Visa and Mastercard remain the most widely used due to their global acceptance and reliability. Best Practices for Seamless Integration with Segpay Leverage Segpays API or hosted checkout options for fast and easy integration.

Payment Gateways