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The Complete Guide To Credit Card Surcharging: Guidelines For Visa, Mastercard, American Express, & More

This go-to guide on surcharging details what surcharges are, the legal requirements surrounding them, and whether (or not) your business should charge them.

    Frank Kehl
  • 106 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law.
Frank Kehl
View Frank Kehl's professional experience on LinkedIn.

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106 Comments

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    Andrew Damerau

    hi there recently our credit card processor called to ask if we wanted to switch to a new system where our business would only be charged a monthly fee of $25 and any credit card processing fees would automatically be added to the customers credit card when we use it for there purchase it sounds to good to be true please advise thanks

      Jessica Dinsmore

      Hi Andrew,

      Without knowing who your current processor is and what state you’re operating in it’s a bit hard to give a specific answer. Nonetheless, it’s likely that the “offer” from your processor isn’t as great as they say it is. There are probably other fees besides the $25/month fee, such as PCI compliance fees, chargeback fees, equipment leasing fees, etc.

      We’d also want to know what kind of processing fees you’d be charged. A lot of processors are simply charging merchants the maximum 4%, figuring that they won’t care since it’s being passed onto their customers. This will usually backfire, leading to lost sales and unhappy customers switching to a competitor.

      While surcharging can be a good idea if you’re in an industry where your competitors are already using it, we feel that it’s being oversold to merchants and ultimately only benefits the processors themselves. We recommend this article, where we profile several reputable providers that offer legitimate surcharging programs. Best of luck to you!

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      Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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