Surcharging
Offset eligible credit-card processing costs.
Checkout
Credit Card
Eligible Surcharge Disclosed
Program Configured
Disclosure Shown
Surcharge Applied
- How it works
How surcharging works.
01
Configure the Program
Set up the surcharge program according to applicable rules.
02
Clearly Disclose the Surcharge
Communicate the surcharge to customers before payment.
03
Customer Chooses an Eligible Credit Card
The surcharge applies only to qualifying credit-card transactions.
04
Applicable Surcharge Is Added at Checkout
The disclosed amount is added to the transaction.
Not the same program
Surcharging is not Cash Discount.
Surcharging
Adds an eligible, disclosed amount to qualifying credit-card transactions.
Cash Discount
Uses a pricing structure that rewards customers using qualifying lower-cost payment methods.
Dual Pricing
Clearly presents both cash and card prices.
Compliance is part of the product
The technology is only one part of a compliant program.
Card Eligibility
Only qualifying credit cards can be surcharged — never debit.
Disclosure & Signage
Clear notice to customers before the transaction.
Receipt Presentation
The surcharge amount shown clearly on the receipt.
Jurisdiction / Network Requirements
Rules that vary by state, card network, and other factors.
Why surcharging with Beyond
Configured correctly, supported continuously.
Automated Checkout
Clear Customer Disclosure
Program Configuration
Ongoing Support
Related solutions
Compare Surcharging with other cost-reduction programs.
The bigger picture
Grow is what payments make possible.
Accept
Protect
Grow
Operate
- FAQ
Surcharging questions.
A program that adds a disclosed amount to qualifying credit-card transactions to help offset acceptance costs.
No. Visa and Mastercard debit and prepaid cards cannot be surcharged, even when processed without a PIN.
No. Availability and requirements vary by location. Confirm the rules applicable to your business before implementing a surcharge.
The permitted amount depends on applicable card-network limits, your cost of acceptance and local requirements. Confirm the allowed rate with your processor before launch.
Yes. Customers must receive clear notice before completing payment. Confirm the required wording and placement for your sales channels.
The surcharge amount must be disclosed on the transaction receipt. Confirm that your system produces the required receipt details.
Confirm how your system handles surcharge refunds for full and partial refunds before launching the program.
Each is a distinct program structure — see our full program comparison for details.