How to Apply a Surcharge to Transactions

Applying a surcharge allows merchants to pass on credit card processing fees to customers. This guide explains how to set up and apply surcharges on eligible transactions while remaining compliant with legal and card network requirements.

Steps to Apply a Surcharge

1. Verify Surcharge Legality

• Confirm that surcharging is permitted in your state or region.
• Review your merchant agreement and card network rules.

2. Enable Surcharge Feature in Your Dashboard

• Log in to your merchant dashboard.
• Navigate to Settings → Payment Fees or Surcharge Settings.
• Enable the surcharge option.

3. Set the Surcharge Amount

• Enter the surcharge percentage or fixed fee to apply (typically 3.5%).
• Make sure it does not exceed your actual processing costs or legal limits.

4. Disclose the Surcharge to Customers

• Display surcharge information clearly at the point of sale, on checkout pages, and on receipts.
• Inform customers verbally if in-person.

5. Apply the Surcharge Automatically

• Once enabled, surcharges will be added to qualifying credit card transactions automatically.

Important Considerations

• Surcharges generally apply only to credit card payments, not debit cards or cash.
• Keep records of surcharge amounts for accounting and compliance.
• Stay updated on any changes to laws or card network policies.