What do you mean by Surcharge?

•    Credit card Surcharging refers to the practice of adding an additional fee or surcharge to a customer's payment when they use a credit card for a transaction. This fee is intended to cover the costs incurred by the merchant for processing credit card payments. Credit card companies typically charge merchants a fee for each transaction processed through their network, and surcharging is a way for businesses to offset these costs.
 

•    Surcharge fees can only be applied to credit cards – debit, gift, and prepaid cards are excluded.

•    Our technology solutions automatically detect when a debit card is entered and will not apply a fee.

•    If you charge more at the register than the listed price, it is a surcharge, regardless of what processors call it. Even if a processor tells you that you’re simply adding a “service fee” or a “non-cash adjustment,” it is still a surcharge.

•    While it may sound like a minor difference, it’s actually very important in terms of legality and compliance with card brand rules. Getting it wrong means risking fines or having your merchant account shut down. Keep in mind the quick rule of thumb – if the customer pays less than the shelf price, it’s a discount. If they pay more than the shelf price, it’s a surcharge.

•    Surcharges are never permitted on debit cards. This is true even if cards are “run as credit” and even in states where credit surcharges are legal. Visa’s FAQ on surcharging clearly spells out that surcharges cannot be applied to debit.

•    While Surcharging can help businesses recoup some of the costs associated with credit card transactions, it's essential for merchants to be aware of and comply with relevant legal guidelines to avoid potential penalties or disputes with customers. Additionally, the decision to surcharge should be carefully considered, as it may impact customer satisfaction and loyalty. Some businesses may choose to absorb credit card processing fees as a cost of doing business, while others may find surcharging to be a more viable option.
 

•    If you’re adding a Surcharge to a debit transaction, even if you’re calling it a “non-cash adjustment” you’re risking your merchant account.

Admin Fee:

•    If you would like to add a fee to your credit and debit cards this can be done by creating an Admin Fee. A percentage fee is added to ALL sales, including credit, debit, cash, checks, ect.

•    There is no cap on the fee amount

•    The Admin Fee must be displayed on all customer receipts.