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.

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EBizCharge

MAY 1, 2025

If the dispute is resolved in favor of the customer, the merchant is charged a fee to cover the processing cost of reversing the transaction. These higher data levels are primarily available to B2B and B2G (business-to-government) merchants that process corporate, purchasing, or government cards.

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Credit Cards Process Processors B2G 52

Finextra

JUNE 25, 2025

Higher acceptance rates, lower processing costs, and a significantly smoother customer experience. This isn’t just about staying compliant,it’s about scaling governance without slowing innovation. Detects when to retry failed transactions with better timing or alternate methods. What is the result?

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Fraud Detection AI Payments PCI DSS 59

Stax

NOVEMBER 14, 2024

These are not banks, but rather governing bodies that set interchange rates, and arbitrate between acquiring and issuing banks. Complying with International Regulations Each country has unique laws and regulations governing online transactions, data protection, and fraud prevention.

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Cardfellow

JUNE 28, 2025

AVS is also one component in qualifying for enhanced data ( level II and level III ) transactions, such as those involving corporate or government cards. That means that if you don’t use it, your transactions will downgrade, and not be eligible for the lowest possible processing costs. Skip down to “Is using AVS worth the cost?”

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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. Used by merchants who want to keep prices competitive without absorbing card processing costs.

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Credit Cards Legal Rules Debit Card 52

EBizCharge

JUNE 30, 2025

Both card brands and state governments have specific requirements, and understanding them upfront can save you a lot of trouble later. applies to credit card payments to cover processing costs.” Clear language: Use simple, direct messaging: “A surcharge of 2.5%

Credit Cards 52

Credit Cards Laws Rules Point-of-Sale (POS) 52

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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EBizCharge

JUNE 25, 2025

Understanding credit card Surcharge Rules Before you begin implementing a surcharge policy, it’s essential to understand the fundamental rules that govern how surcharging works. Safeguarding Your Business with Proper Surcharge Practices Surcharging can help your business manage processing costs, but only if it’s done by the book.

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Stax

MARCH 27, 2025

They share several key characteristics, including: Cost-effective and reliable digital transactions ACH and EFT both enable direct bank-to-bank transfers, reducing the costs and security issues associated with cash and checks. You want to simplify payroll processing and government deposits.

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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. This approach can help businesses save on transaction costs while offering a tangible benefit to the customer. Prices include card processing costs.

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EBizCharge

JUNE 27, 2025

If you’re a business owner dealing with rising credit card processing costs, this is for you. It’s a way for businesses to recover part or all of the processing fees they would otherwise absorb. Visa and Mastercard have established a framework to govern surcharging in Canada to ensure it’s done fairly and transparently.

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Credit Cards Legal Card Network Rules Rules 52

EBizCharge

JUNE 12, 2025

While merchant accounts can offer numerous benefits, Canadian businesses may still face some obstacles when processing payments. 7 common payment processing challenges for merchants Canadian merchants may encounter several challenges when it comes to processing payments and managing financial operations.

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Fintech Review

DECEMBER 6, 2024

Supported by the Irish Government through IDA Ireland, this move underscores JUSPAY’s dedication to supporting clients and partners across regions. This marks a significant milestone in the company’s international expansion, reflecting its commitment to a growing European customer base.

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EBizCharge

JULY 1, 2025

states (though not all), and there are specific rules governing its disclosure and calculation. While the term ‘customer processing fee’ may be used informally to describe this added charge, the actual method used and how it’s labeled matter both legally and practically. It’s legal in most U.S.

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EBizCharge

MAY 5, 2025

This incentivizes businesses to promote ACH payments as a cost-saving option for them and their customers. In this way, ACH transactions can balance the merchants goal of minimizing payment processing costs while maintaining flexibility and convenience in how customers can pay. Is zero cost credit card processing actually free?

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Cardfellow

JUNE 16, 2025

It has been operating since 2017, but is not government-backed. Some in the financial world claim that FedNow could actually reduce processing costs. If their own costs to facilitate the transactions go down, they often simply pocket the difference as additional revenue for themselves.

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Nanonets

NOVEMBER 14, 2024

OpenText Intelligent Capture Source OpenText Intelligent Capture (formerly Captiva) is part of an enterprise-grade information management solution that helps companies extract, govern, and share information. Particularly valuable for organizations with complex integration needs and existing OpenText infrastructure.

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Core

OCTOBER 4, 2023

With the ever-growing shift toward digital transactions, the need for governments to implement more extensive front- and back-end system integration is clear. The presence of outdated legacy and manual, error-prone payment processing systems only underscores this reality.

Governance 52

Governance Government Payment Reconciliation Payments 52

The Fintech Times

FEBRUARY 14, 2024

Crucial for organisations worldwide, this transformation rewrites the rules and offers a seamless alternative to tedious data entry, high processing costs, and lost invoices, promising a new era of financial agility. The changes are also accelerated by the continuous push by many governments to further digitisation.

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Clearly Payments

JANUARY 16, 2024

Regulations: Government regulations and industry standards can impact interchange fee structures. Contactless payments and mobile wallets may offer lower fees, and the adoption of these technologies not only aligns with consumer preferences but can also lead to cost savings for merchants.

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PYMNTS

DECEMBER 8, 2016

businesses are attracted to digital invoicing for a slew of financial benefits: faster, more efficient accounts payable and reconciliation processes, a reduction in the threat of errors due to manual data entry and ability to capture early payment discounts thanks to an accelerated invoice management process. In the U.S., Still, U.S.

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Compliance Regulations Governance Government 64

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.

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Credit Cards Laws Legal Caps 88

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.

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Credit Cards Laws Legal Caps 88

Fintech Review

AUGUST 1, 2024

Manilla, Philippines, August 1st, 2024, Chainwire Venom Foundation is proud to announce a historic agreement with the government of the Republic of the Philippines to digitize billions of accountable forms using its advanced blockchain technology.

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Blockchain Governance Government Agreements 52

Clearly Payments

MAY 1, 2025

Tariffs government-imposed taxes on imported goods are often seen as a supply chain issue. But they also have a ripple effect that extends to merchants pricing strategies, customer behavior, and yes, even how payments are processed. A shift toward ACH or wire transfers to manage processing costs.

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Stax

SEPTEMBER 26, 2024

Surcharge fees vs. other card payment processing fees Misclassifying one type of fee as another can be a costly oversight because each has its own governing rules. You can do so by reading the government website’s surcharging FAQs or contacting your state’s Attorney General’s office. Exercise prudence, and don’t cut corners.

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Stax

FEBRUARY 5, 2024

This surcharge covers the cost of processing credit card payments via platforms like Visa, Mastercard, and American Express. Businesses apply it to offset e-payment processing costs for transactions where customers pay with credit cards rather than cash. Credit card surcharge. Fuel surcharge. Environmental surcharge.

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Credit Cards Legal On-Demand Regulatory Compliance 88

PYMNTS

OCTOBER 22, 2018

The organization would include a board of directors appointed by industry groups and governments” to help advance the use of digital invoicing. “Research shows it costs $30.87 to process a paper invoice, $27.97 per PDF invoice and only $9.18 per eInvoice — a significant saving,” she said.

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Stax

DECEMBER 13, 2023

TL;DR Credit card processing fees can add up quickly and eat into a business’s bottom line. Fortunately, in states where surcharging is legal, you can recoup these processing costs by transferring them to the cardholder. Plus, there are federal laws governing surcharges.

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Credit Cards Debit Card Laws Rules 88

Clearly Payments

AUGUST 14, 2024

Apple Pay, Google Pay), Buy Now, Pay Later (BNPL) services, and bank transfers has provided merchants with lower-cost alternatives. For example, the European Union’s IFR and similar initiatives in other regions aim to reduce the cost burden on merchants. Alternative Payment Methods: The rise of digital wallets (e.g.,

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Payment Savvy

JULY 12, 2024

This fee compensates for these alternative methods’ higher processing costs and potential risks. Pros and Cons of Charging Convenience Fees Pros: Offset Processing Costs: Convenience fees help you recoup the costs of processing non-standard payment methods. appeared first on My Payment Savvy.

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Card Network Rules Non-Bank Alternative Payment Methods Credit Cards 52

Fintech News

JANUARY 30, 2024

As governments and financial institutions adapt to the evolving environment, these changes are influencing the development and adoption of new payment systems. AI has the potential to optimise these processes and reduce human errors, which can in turn decrease the processing costs associated with high-volume transactions.

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Payments Trends Digital Currency Distributed Ledger Technology (DLT) Cross-Border Payments 120

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 88

Credit Cards PCI DSS Compliance Process 88

Open Banking

OCTOBER 7, 2022

Update from Charlotte Crosswell, Chair and Trustee, Open Banking Implementation Entity (OBIE) This week I joined UK business leaders at the annual Conservative Party Conference, during which the Prime Minister outlined the government’s plan to transform the UK into an aspiration nation. But there is more that can be done.

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Innovation Governance Government Small Business 52

PYMNTS

APRIL 28, 2016

The outlet said information of several Al-Jazeera journalists, government and defense officials and even members of the ruling al-Thani family were made available within the compromised data. The Doha News website reported that 1.5 GB of leaked documents disclosed some customers’ bank information, telephone numbers and dates of birth.

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Breach Data Breach ATM Compromise 40

Finovate

OCTOBER 11, 2024

The company’s international digital payments network supports more than 145 currencies, and processes billions of transactions a year. Checkout.com’s technology helps merchants increase acceptance rates, lower processing costs, fight fraud, and transform payments into a significant source of revenues.

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Multi-Currency Stablecoins Visa Cross-Border Payments 105