PayJunction

JULY 9, 2025

A surcharge is a small fee added to credit card transactions to offset payment processing costs. Offsetting credit card processing fees with surcharging is legal in most states and can be implemented without generating customer complaints, but only when done correctly. What is a Surcharge?

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Fintech Finance

DECEMBER 18, 2024

Bamboos robust payment infrastructure simplifies API integration, reduces processing costs, and ensures frictionless payment experiences, from instant payment confirmations to efficient refunds. This streamlined approach minimizes delays for partners and keeps customer satisfaction at the centerexactly where it should be.

Payment APIs and Integration 96

Payment APIs and Integration Alternative Payment Methods Cross-Border Payments Cross-Border 96

Stax

MARCH 13, 2025

How Businesses Can Manage and Reduce Interchange Fees Interchange fees can often make up about 90% of your credit and debit card transaction processing costs. According to data released by CMSPI , businesses ended up paying more than $220 billion in card processing fees in 2023. Contact us

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Stax

APRIL 8, 2025

Merchants can, however, negotiate with their payment processor to cut costs, tweak pricing, or secure better rates. Choosing a credit card processor that offers transparent pricing, strong customer support, and top-tier security is the key to lowering processing costs. This fee isnt a fixed rate for all transactions.

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Fintech News

NOVEMBER 5, 2024

The use of PBM is expected to keep payment processing costs consistent for GrabPay merchants and international payment apps within the Alipay+ ecosystem. The new system uses Purpose Bound Money (PBM), which specifies the conditions for using stablecoins, and the Avalanche blockchain.

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Fintech Finance

JANUARY 13, 2025

Overcoming the Limitations of Traditional Payment Systems AIsa identifies three key challenges that current payment networks face: Speed Gap: AI agents operate in milliseconds, while traditional payments take days to process. Cost Barrier: High fees (2.9% + $0.30 per transaction) make microtransactions unviable.

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Payment Networks Economy AI Microtransactions 98

EBizCharge

JUNE 18, 2025

But with rising credit card processing fees, B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. Next Step: Ready to lower your processing costs? How do I calculate the surcharge amount?

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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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Fintech Finance

NOVEMBER 1, 2024

Key Benefits Cost Savings for Merchants: Cross-border merchants accepting payments from APAC can save over 50% in payment processing costs compared to traditional international card schemes.

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Fintech Finance

JANUARY 9, 2025

This translated into a reduction in operational workload by automating processes to drive efficiency. Reduce payment processing costs by up to 5% Today, businesses are more focused than ever on their bottom line, yet many still view payments as a commodity rather than a powerful cost-saving strategy.

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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?

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EBizCharge

JUNE 19, 2025

But with rising credit card processing fees , B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. Next Steps: Ready to lower your processing costs?

Best Practices 52

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EBizCharge

JULY 7, 2025

Credit card processing fees are one of those line items that quietly eat away at margins. As these payment processing costs continue to rise, companies are looking for practical ways to offset them without overhauling their pricing models. Which fees you’re still absorbing as part of your broader payment processing costs.

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Fintech Finance

MARCH 28, 2025

” With pre-integrated solutions and seamless configuration via commercetools Connect , Payment Hub enables enterprises to: Lower payment processing costs by sidestepping the inflated transaction fees imposed by bundled commerce platforms and securing more competitive rates through direct PSP integrations.

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The Fintech Times

MARCH 13, 2025

For digital platforms, processing pay-ins (customer payments) and pay-outs (disbursements to creators, merchants, or partners) comes with transaction fees that impact margins and cash flow. At the same time, Aleph monetises the ad inventory, ensuring that what would have been a payment processing cost now becomes a revenue-generating asset.

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Cross-Border Payments Cross-Border Payment APIs and Integration Payment Service Provider (PSP) 96

Clearly Payments

MARCH 4, 2025

Analyzing Payment Processing Costs Many business owners assume they are paying lower fees than they actually are. The effective rate is the total processing cost divided by total sales volume and is the true measure of what a business is paying. We’ve seen some merchants pay 10%.

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Paystand

MARCH 20, 2025

Optimize B2B credit card processing with lower fees, faster payments, and better security. Discover cost-saving strategies and modern payment solutions.

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EBizCharge

JUNE 19, 2025

This approach can help businesses save on transaction costs while offering a tangible benefit to the customer. Prices include card processing costs. Instead of adding fees, businesses build processing costs into listed prices and then offer a visible discount for preferred payment types.

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Credit Cards Legal Processing Costs Card Network Rules 52

Clearly Payments

FEBRUARY 10, 2025

Cash Discounting and Surcharging To offset processing costs, some businesses use cash discounting or surcharging: Cash Discounting Offering a small discount (usually 3-4%) for customers who pay with cash instead of a card. The chargeback rate should stay below 1% going above this can lead to fines or even account termination.

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EBizCharge

DECEMBER 2, 2024

Understanding dual pricing is crucial for merchants and consumers, as it can offer cost savings and valuable financial insights. For businesses, it provides a legal way to manage the hefty credit card processing costs and maintain competitive pricing for cash-paying customers.

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The Fintech Times

MARCH 19, 2025

The research was published in Juniper Research ‘s Global Network Tokenisation Market: 2025-2029 report , and predicts that the growth of network tokens will mean they are better placed to fight fraud, lower processing costs and streamline checkout experiences for users in the future.

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Fintech Finance

JUNE 23, 2025

Planned enhancements include advanced analytics dashboards for deep transaction insights, real-time reconciliation tools to streamline financial closes, dynamic routing across multiple card networks to optimise processing costs and predictive fraud controls powered by machine learning.

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Payment APIs and Integration Acquirers Digital Payments Disputes 59

Basis Theory

MARCH 18, 2025

Merchants using QR codes for payments can increase sales and contribute to lower processing costs. Here's how to do them right!

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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

JULY 3, 2025

Partial cost recovery: Surcharging helps offset costs but doesn’t eliminate your payment processing costs entirely. Simplifying QuickBooks surcharging with EBizCharge Credit card surcharging is a great way to manage rising payment processing costs when done efficiently and in compliance with industry regulations.

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National Processing

JULY 31, 2024

National Processing Understanding the Cash Discount Program By offering a cash discount to consumers who pay with cash, merchants can completely remove their processing costs. The post Understanding the Cash Discount Program appeared first on National Processing and is written by Christian Woodward

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Fintech Finance

JUNE 5, 2025

“This collaboration helps government agencies simplify their payment systems, reduce processing costs, and improve the overall customer experience. Together, we have set a new standard for the industry.”

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Basis Theory

AUGUST 28, 2024

In today’s personalized e-commerce environment, any friction in the payment process can be the difference between a successful sale and a missed opportunity. Online consumers expect to spend the least amount of time possible getting through the purchase process, but merchants want to manage their processing costs to maximize margins.

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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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Cardfellow

MAY 19, 2025

The important features of a truly competitive processing solution go way beyond the initial cost of equipment. Ignore shifty sales tactics and focus on things that will keep processing cost low over the long haul. Look at things like pricing model, the processor’s markup, and discount method.

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EBizCharge

JUNE 30, 2025

What “free” credit card processing really means Despite what the headline might suggest, free credit card payment processing doesn’t mean no one is paying. In most cases, “free” means the payment processing cost is shifted from the business to the customer.

Credit Cards 52

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The Fintech Times

JUNE 24, 2025

Planned enhancements include advanced analytics dashboards for deep transaction insights, real-time reconciliation tools to streamline financial closes, dynamic routing across multiple card networks to optimise processing costs and predictive fraud controls powered by machine learning.

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EBizCharge

JUNE 24, 2025

Understanding those differences can help you avoid compliance headaches, improve the customer experience, and recover more of what you’re losing to payment processing costs. There’s a big difference between surcharging in person versus online. What is credit card surcharging? Train staff and configure tools. Monitor feedback.

Credit Cards 52

Credit Cards Payments Debit Card Processors 52

Clearly Payments

FEBRUARY 7, 2024

Payment Processing Costs Payment processing costs encompass various fees and expenses associated with processing transactions, including interchange fees, processing fees, and chargeback fees. Monitoring payment processing costs is essential for managing expenses and optimizing profitability.

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Basis Theory

MAY 30, 2024

Dynamic payment routing is an essential part of any comprehensive payment optimization strategy: getting the highest close rate at the lowest processing cost demands working with multiple payment service providers ( PSPs ).

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Fintech Finance

JUNE 18, 2025

Combined with Checkout.com’s Real-Time Account Updater, which automatically updates a customer’s card details when they change, and Network Tokenization, this has increased transaction-level acceptance rates while reducing processing costs.

AI 52

AI Technology Payments CRM 52

EBizCharge

JUNE 10, 2025

EBizCharge is one of the top payment gateway alternatives to its more expensive and inefficient counterparts and is specifically designed to reduce payment processing costs and inefficiencies. About EBizCharge EBizCharge reinvents how companies accept credit card payments with its all-in-one payment solution.

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