fbpx

FAQ

We make surcharging simple!

Frequently Asked Questions

Zero cost processing on credit cards!

A surcharge, also known as a service fee or a checkout fee, is an additional fee that a merchant adds to a customer’s bill when a credit card is used payment.

There is two types of cash discounting, compliant and non-compliant.


Compliant cash discounting is the process of posting the credit price on the label and offering a discount for cash. This is mainly used at gas stations.


Non compliant cash discounting, as marketed today is the process of posting the cash price on the label, then adding a service fee at register, then immediately discounting the service fee if cash is offered. These programs are taking advantage of a gray area in the Durbin Amendment. According to the card brands, if the surcharge is added at the register, it is a surcharge and is regulated.

A surcharge program follows the rules of the card brands and the local laws. This means surcharging only credit cards, no debit cards, and following a handful of compliance requirements.

That is not a problem, you will find most customers have at least 1 debit card in their pocket. A compliant surcharge program treats debit cards as cash.

Right now it is set at 3.5% in order to cover all card types.

Yes, of course! It is very complex and as long as you are following all of the rules and you are sure that a card is not a debit card (even if they tell you it is a credit card), that a surcharge is not applied. Fines and penalties can be detrimental to a business. Feel free to reach out to us for guidance on starting your own surcharged program.

You can accept all card types that is supported by your merchant processor. Some processors will not allow you to accept Amex if you are surcharging due to the wording in Amex surcharge requirements. It basically says they are ok with it as long as you surcharge all cards equally. With the rules of surcharging, you are not allowed to surcharge debit cards, therefore unable to meet Amex’s requirements. This is why many processors will ask you to turn off Amex if surcharging.

Yes, as long as you are following the rules of your local state, you can surcharge.

Surcharging is allowed in 45 states. Merchants may not surcharge if they are located in Colorado, Connecticut, Kansas, Massachusetts and Oklahoma. You can surcharge in Maine and New York as long as you follow the state rules of posting cash and credit prices on the label, not just one or the other.

No! One of the rules is that you are not allowed to exceed the average cost of your merchant services, and never to exceed 4%. This means if your average cost of merchant services is 5%, the max you can charge is still 4%. If your average cost is 3%, the max you can charge is 3%. SurChoice takes care of this at setting everyone on flat rate and passing on a 3.5% surcharge on credit card transactions.

Not at all. You are welcome to cancel SurChoice at anytime. You may however have a contract with your processor, you will need to ask your merchant representative.

Deposits are settled daily and will deposit as quick as your merchant processor deposits. On average we see 1-2 day funding.

Yes! SurChoice is built on a PCI-DSS validated platform. We also utilize card tokenization and point-to-point encryption.

Sinmple, fill out the form to the right and we will verify compatibility and reach out as soon as we can.

Get Started or Check Compatibility