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.

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Stax

JULY 7, 2025

That’s why businesses are increasingly implementing a surcharging program to offset the costs of credit card processing, essentially enabling merchants to benefit from “free” credit card processing. TL;DR Surcharging is a method for businesses to offset credit card processing costs by passing them on to customers.

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EBizCharge

JUNE 30, 2025

Card brand rules Notification requirements: Before implementing credit card surcharging, businesses are required to notify the major card networks—typically at least 30 days in advance. Visa, Mastercard, and others all have specific processes for this.

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EBizCharge

JUNE 17, 2025

As payment processing costs continue to rise, many businesses are looking for ways to offset these fees. Two popular options—credit card surcharges and convenience fees —can help recover some of these costs. What Is a Credit Card Surcharge? Guidelines: Only applies to credit cards , not debit or prepaid cards.

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EBizCharge

JUNE 24, 2025

They’re treated differently under both state laws and card network rules. Simple to set up with the right tools: Most payment processing platforms now have built-in surcharge features. Legal complexity: You have to follow state laws and card network rules to stay compliant.

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EBizCharge

JUNE 19, 2025

Compliance and Legality Before you roll out a surcharge program, you need to understand the rules that govern how it must be implemented. You need to check state laws and card network rules. Visa, Mastercard and other networks require merchants to register their intent to surcharge.

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EBizCharge

JUNE 23, 2025

One option on the table is adding a credit card surcharge—a small extra fee to help cover your costs. But here’s the catch: surcharge rules are a patchwork of federal guidelines, state laws, and card network rules. And the card networks like Visa and Mastercard have their own rulebooks.

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EBizCharge

JULY 1, 2025

Visa and Mastercard have their own rules, and so do various states. That’s why businesses looking to pass on processing costs need a system that’s not only flexible but also helps keep them on the right side of the law. Other businesses attempt to offset costs using Square’s tipping feature or pricing tweaks.

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EBizCharge

MAY 5, 2025

Additionally, credit card networks typically cap surcharge amounts around 3-4% of the transaction total, and merchants must notify the card brands prior to adding a surcharge. Alternatively, the cash discount model includes a service fee in the posted price, which is deducted at checkout when a customer pays with cash.

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Payment Savvy

JULY 12, 2024

For example, you could add a convenience fee if your standard payment method is cash or check, but a customer wants to pay over the phone or online with a credit card. This fee compensates for these alternative methods’ higher processing costs and potential risks.

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Stax

JANUARY 15, 2024

Are you struggling with resource constraints caused by soaring credit card processing costs? Credit card surcharging can help offset these expenses, but it can be tricky. TL;DR Credit card surcharging involves adding a fee to transactions with credit card payments, offsetting processing costs.

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EBizCharge

JUNE 28, 2024

Consequently, merchants cannot profit from these fees; their purpose is solely to cover processing costs. It’s imperative for merchants to calculate these fees accurately and ensure that any surcharge reflects the true cost of processing to remain compliant with card network rules and avoid the appearance of price inflation.

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Payment Savvy

JULY 3, 2024

You probably want to know what can you do to ensure your debit card processing fees are as low as possible. Here are some strategies to consider: Allow PIN Debit Transactions: Encourage your customers to use PIN debit transactions instead of signature debit can reduce your processing costs.

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Segpay

FEBRUARY 28, 2024

Key Takeaways √ Hidden charges in payment processing can dig into and erode your bottom line. Merchants can implement several best practices to avoid surprise processing costs. 5 minute read Hidden charges in payment processing can seriously impact any merchant’s bottom-line revenues.

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