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Surcharging is the practice of adding a small fee to a customer’s total when they choose to pay with a credit card. This helps businesses recover some of the processing costs associated with credit card transactions.

Yes, surcharging is legal in most U.S. states when done correctly and in compliance with state laws and card brand rules (Visa, Mastercard, etc.). Gravity Payments ensures your surcharging setup follows all legal and regulatory requirements.

Improper surcharging can lead to fines, chargebacks, or even loss of processing privileges. That’s why it’s critical to work with experts. Gravity handles all compliance aspects to protect your business.

Surcharges can only be applied to credit cards. It is not permitted to surcharge debit or prepaid cards.

The surcharge amount can be up to 3%, but not more than your actual processing cost. (Colorado: Caps surcharges at 2%) Gravity will help you calculate and apply the correct rate to remain compliant.

Clear, compliant signage is required at the point of entry and point of sale. Gravity provides guidance to help you inform customers properly and meet all requirements.

The surcharge must appear as a separate line item on the receipt—clearly labeled, such as “Credit Card Surcharge.” Gravity’s systems ensure this is automatically included and compliant.

Yes, you can surcharge in both physical and online environments, provided the setup is done correctly. Gravity offers fully compliant solutions for in-person, online, and mobile payments.

Most customers understand that small card fees help local businesses manage rising costs. Gravity provides training to help you explain the change clearly and keep customer trust.

You’ll need a payment terminal or POS system capable of surcharging in a compliant way. Gravity provides certified devices and software with built-in surcharging support.

We take care of everything—from compliance, registration, to training and ongoing support. Our team ensures your surcharging setup is legal, seamless, and fully supported, so you can focus on running your business with confidence.