In Hawaii, we know what it means to work hard, serve our communities, and stretch every dollar. Whether you’re a local contractor, a B2B tech consultant, or a business that bills by invoice, you’ve likely felt the sting of rising credit card processing fees—especially when the card isn’t present.
Every remote payment, every invoice paid by card, often means another chunk of your revenue going to the card brands. But there’s good news: you don’t have to absorb those fees anymore.
At Gravity Payments, we help Hawaii businesses set up compliant surcharging programs—so you can keep more of what you earn, without raising prices or sacrificing professionalism.
Get your free surcharging compliance review.
What Is Surcharging for Card-Not-Present Payments?
Surcharging is the process of adding a small percentage fee to credit card transactions to help cover processing costs. It’s applied to all credit card payments (present and non-present), and it’s fully legal and compliant when done the right way. Surcharging for Hawaii Businesses:
For businesses that send digital invoices or take payments over the phone or online, surcharging can be a game-changer. Think of it like this:
Instead of losing 2–3% of every invoice you send, you’re recovering that cost and keeping your margins healthy.
Who Can Benefit Most in Hawaii?
We’ve seen this work especially well for:
- Contractors who take phone or online deposits
- Consultants and freelancers who invoice clients
- B2B for subscription or recurring billing
- Medical and health practices with remote billing
- Any local business with recurring or high-ticket remote payments
Why It Makes Sense for Local Businesses
Keep your pricing consistent – No need to raise your rates across the board to cover rising card fees.
Works with your existing systems – We help you integrate surcharging into the tools you already use, like QuickBooks, CRMs, or payment gateways.
Full compliance, zero stress – Gravity handles the registration, setup, and ensures you’re following the latest regulations.
Protect your margins – Those fees add up. Saving even a few percent each month can mean thousands over the course of a year.
Ready to See the Numbers?
Let us show you how much your business could be saving each month. Book a free demo or consultation with our local team today—and let’s keep more of your hard-earned revenue right here in Hawaii. Fill out the form below.
