Frequently Asked Questions

A surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer’s bill when he or she uses a credit card for payment.

The simplest and quickest way to do so is contact us 888-450-7621 and we will provide you with all the necessary tools to start saving money today.

As a result of a legal settlement to resolve claims brought by a group of U.S. merchants, merchants in the U.S. and U.S. territories may add a surcharge to certain credit card transactions, starting January 27, 2013. Your may choose to choose to surcharge by following all the requirements agreed to as part of the settlement.

There is no surcharge on cash payments. As a business owner, you can offer incentive and encourage your customers to pay by alternative methods.

Most customers are already paying for the convenience of paying higher prices to use cards and even alternative methods of payment. Prime examples are Gas Stations, Municipalities and Education facilities, and ATM’s. These are prime examples of goods and services sold at various businesses going up in price without merchants having to pay for them. Keep the money and use it to expand your business and improve your bottom line!

Complex calculations and credit card equipment issues may cause delays and frustration from your customers. Surcharging is also explicitly defined in Visa/Mastercard rules and guidelines, violation of these rules may result in fines and closure of your merchant account.

Once enrolled into merchant surcharge program, we will provide you with the signage to be displayed at your business location.
We will also provide you with the terminal that displays the surcharge on the receipt.

Retailers must limit the amount of the surcharge to the merchant discount rate for the credit card transaction surcharged, or 4%, whichever is lower.

Yes. Any merchant in 42 out of 50 States may elect to surcharge by following all the requirements set by credit card networks. Merchants may not Surcharge if they are located in any one of these 8 States: Colorado, Connecticut, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas

Surcharging applies only to credit transactions in the U.S. and U.S. territories. Debit and prepaid cannot be surcharged.

MerchantSurcharge makes it very simple. On a chargeback or a return the purchase amount plus the surcharge will be credited to the cardholder. Insert the chip as usual and our compliant terminal will do all the work for you.