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 52

Credit Cards Legal Process Push-to-Card 52

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

Credit Cards 52

Credit Cards Legal Processing Costs Card Network Rules 52

Clearly Payments

FEBRUARY 10, 2025

Card Networks Companies like Visa, Mastercard, and American Express ( credit card networks ) that set processing rules and fees. The Costs You Dont See One of the biggest surprises for small businesses is the actual cost of accepting credit and debit cards. per transaction.

Small Business 66

Small Business Process Address Verification System (AVS) Cross-Border 66

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. Also known as card companies or card issuers (e.g.,

Credit Cards 88

Credit Cards Process Processors Push-to-Card 88

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. What’s the catch?

Credit Cards 52

Credit Cards Small Business Process Credit Card Payment Processing 52

EBizCharge

JUNE 27, 2025

This guide will walk you through the basics of credit card surcharging in Canada, from legal background and card network rules to disclosure requirements and best practices. If you’re a business owner dealing with rising credit card processing costs, this is for you. Can I surcharge in Canada? of the transaction amount.

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

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.

Cross-Border Payments 96

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

EBizCharge

JULY 3, 2025

It’s a way for businesses to offset the processing fees that come with accepting credit card payments. Instead of absorbing those costs, the business passes them on to the customer who chooses to use a credit card. There are rules to follow. Credit card surcharging is legal in most U.S. states, but not all.

Credit Cards 52

Credit Cards Processing Costs Caps Legal 52

EBizCharge

JUNE 24, 2025

They’re treated differently under both state laws and card network rules. In a few states, laws are in flux or under legal challenge, making the rules a bit harder to pin down. Legal complexity: You have to follow state laws and card network rules to stay compliant. Mixing up the two could get you into trouble.

Credit Cards 52

Credit Cards Small Business Card Network Rules Rules 52

EBizCharge

JUNE 25, 2025

Between card network rules, signage requirements, and state regulations, there’s a lot to keep track of. This article walks you through what credit card surcharge compliance really means and provides a practical checklist to help your business stay on the right side of the rules. Here are three important rules to be aware of: 1.

Compliance 52

Compliance Credit Cards Card Network Rules Rules 52

EBizCharge

JUNE 26, 2025

Federal Overview Surcharging is legal at the federal level in the United States but businesses must follow rules set by credit card networks like Visa and Mastercard. Requirements for Compliance While Surcharging To legally add a surcharge restaurants must follow the rules set forth by the credit card networks and local regulations.

Best Practices 52

Best Practices Credit Cards Legal Card Network Rules 52

Fintech Finance

JUNE 5, 2025

This partnership also positions Trustly and Point & Pay at the forefront of regulatory compliance, as Trustly’s Pay by Bank offering is fully aligned with the Consumer Financial Protection Bureau’s (CFPB) Section 1033 ruling on Open Banking. Together, we have set a new standard for the industry.”

Government Payments 59

Government Payments Governance Government CFPB 59

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. Not knowing the rules can result in fines, lawsuits, or worse. Some states don’t allow them at all.

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

EBizCharge

JUNE 30, 2025

This guide walks you through what’s required to stay on the right side of both the law and card brand rules. A surcharge is a fee that a business adds to a transaction to help cover the cost of credit card processing fees. The purpose behind surcharging is simple: offset the fees businesses pay to process credit cards.

Credit Cards 52

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

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. However, because adding a surcharge for credit card payments is regulated by card networks and by local laws, it’s essential to know the rules.

Credit Cards 52

Credit Cards Payments Debit Card Processors 52

Cardfellow

MAY 19, 2025

There’s an Exception to Every Rule Some processors, like those in CardFellow’s marketplace, may offer extremely discounted equipment to businesses that meet certain criteria. For example, a processor may offer to rent a new terminal for only $5 a month to a business that processes at least $10,000 a month in sales volume.

Credit Cards 95

Credit Cards Processors Chip Cards EMV 95

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. Visa and Mastercard have surcharge rules. Break those, and you might face processing restrictions or extra fees. That’s where a clear, legally sound surcharge notice comes in.

Credit Cards 52

Credit Cards Card Network Rules Legal Laws 52

EBizCharge

JUNE 19, 2025

If you’re a business owner looking for ways to cut down on credit card processing costs, adding a surcharge might be one option worth considering. The goal is simple: to help offset the credit card processing fees you’re already paying to accept those cards. Make sure you check your state’s rules before proceeding.

Credit Cards 52

Credit Cards Debit Card Card Network Rules Processors 52

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.

Process 52

Process Credit Cards Rules Laws 52

Finextra

JUNE 25, 2025

Real-Time Fraud Detection: Defence at Machine Speed Traditional fraud systems rely on static rules and after-the-fact analysis. Higher acceptance rates, lower processing costs, and a significantly smoother customer experience. Adapting instantly to changes in global sanctions or reporting rules. What is the result?

Fraud Detection 59

Fraud Detection AI Payments PCI DSS 59

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. In terms of e-invoicing, there are complex rules and procedures that govern business activities.

Automation 103

Automation Process Duplicate Compliance 103

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. Businesses can encourage cash transactions or use credit card surcharging as an additional fee to offset payment processing costs.

Debit Card 88

Debit Card Legal Credit Cards Processing Costs 88

Fintech Finance

JULY 30, 2024

AppBrilliance , a pioneer in real-time payment solutions with its cutting-edge Money API platform, is leveraging a recent rule change by The Clearing House to expand use-cases for Real Time Payments (RTP) to closed-loop digital wallets in the US.

RTP 98

RTP FedNow RFP Payment APIs and Integration 98

Cardfellow

MARCH 30, 2025

How to Lower Credit Card Processing Costs Commercial credit card transactions have different rules as well as different rates and fees. Its easy to miss qualifying for a lower-cost interchange category if you are not optimizing your commercial card acceptance.

Product 52

Product Processors Credit Cards Commercial Card 52

EBizCharge

MARCH 20, 2025

Consider payment processing costs and ensure the provider complies with industry standards like PCI Compliance. Reviewing each providers functionality, payment collection tools, payment security, costs, and customer support will enable your business to make the best decision.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Payments 52

EBizCharge

JUNE 3, 2025

As a leading provider of integrated payment solutions, EBizCharge offers tailored services that support the complex needs of high-volume businesses, helping them streamline payment processing operations, improve cash flow, and reduce processing costs. Luckily, EBizCharge can help.

Volume 52

Volume Credit Cards Process CRM 52

EBizCharge

JUNE 23, 2025

Handled properly, surcharging can be a smart, compliant way to manage processing costs. It’s just a flat rule you apply manually. This means you’re paying a processing fee on the very charge that was supposed to cover your processing fee. In the end, you recoup most of the cost, but not all.

Credit Cards 52

Credit Cards Debit Card ACH B2B 52

EBizCharge

JULY 3, 2025

While credit card surcharging is legal in many states, it comes with a specific set of rules. Tips for Minimizing Payment Processing Costs Overall Whether you use no-cost credit card processing or a more traditional setup, there are always ways to save money—without sacrificing service quality or customer experience.

Process 52

Process Credit Cards Payment APIs and Integration Processors 52

Stax

MARCH 11, 2025

Reducing Payment Processing Costs Online payments processing comes with five main categories of fees that business owners must manage effectively to ensure good profit margins and sustainable business growth. AI-based fraud detection combines the peculiarities of rule-based detection with its innate machine-learning ability.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

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. So make sure to follow all rules related to the placement, content, design, and compliance of your signage.

Credit Cards 88

Credit Cards Debit Card Laws Rules 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.

Credit Cards 88

Credit Cards Laws Caps Legal 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.

Credit Cards 88

Credit Cards Laws Caps Legal 88

Nanonets

NOVEMBER 14, 2024

Built-in approval workflows with custom validation rules and automatic routing 5. Automated data formatting and post-processing to ensure clean, standardized output 6. AI-powered document identification and routing to parsing rules 2. Custom parsing rules with a visual template builder 3. Batch processing optimization 8.

Process 52

Process Automation Volume Verification 52

Nanonets

MAY 23, 2025

You can use the validation rules to flag fields with a lower confidence score for manual review. Teams often need to standardize formats, apply business rules, and ensure all critical fields are correct before pushing records into QuickBooks. You can see the same in the GIF above.

Automation 52

Automation AI Duplicate Process 52

PYMNTS

OCTOBER 6, 2020

The updates, the company said, will speed invoice processing by 10 times and cut processing costs by 80 percent. But Aavenir’s conversations with corporates found that these firms were looking for more of an “enhanced workflow” for invoice processing.

AI 93

AI Automation Process Audit 93

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?

Credit Cards 52

Credit Cards Small Business Process ACH 52

Stax

JUNE 23, 2025

Businesses use ACH API integration to lower payment processing costs, streamline high-volume or recurring payments, and improve payment status visibility. An ACH API is a type of application programming interface that enables businesses to initiate, process, and track ACH payments electronically through the ACH network.

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ACH API Payment APIs and Integration ACH Network 88