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Frequently asked questions

  • General FAQ
  • Cash Discount FAQ
  • Credit Surcharge FAQ
What is a surcharge?

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.

It’s too good to be true! How can I accept credit and debit cards at my business without paying high merchant fees?

The simplest and quickest way to do so is contact us 888-50-SWIPE and we will provide you with all the necessary tools to start saving money today.

It is illegal and my bank will shut me down for not paying credit card fees.

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 - fully insured financial processors may now add a surcharge to credit card transactions. Your may choose to choose to surcharge by following all the requirements agreed to as part of the settlement.

Majority of my customers prefer to pay with cash.

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

I don’t want to surcharge my customers.

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! Your customers already understand this and actually prefer to use their card for % cash back, air miles and more.

Can’t I surcharge myself?

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.

I want to let my customers know about the surcharge before they check out. I don’t want them to be caught by surprise.

Once enrolled into Credit 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.

Is there a limitation on how much I can surcharge?

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

Can any business do it?

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

What can I surcharge?

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

My type of business handles a lot of returns and occasional chargebacks. It sounds very complicated with the surcharge.

Merchant surcharging 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.

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EasySwipe Merchant Services is a registered ISO of North American Bancard, N.A., Concord, CA, Wells Fargo, N.A., Concord, CA; Woodforest National Bank, Houston, TX; BMO Harris Bank, N.A, Chicago, IL; CardX, Chicago, IL

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