Eliminate Processing Fees with Compliant Credit Card Surcharging
Pass credit card processing costs to customers legally and transparently while preserving your profit margins and staying compliant with all state laws and card brand regulations
Key Features
Start Eliminating Processing Fees
See how much you'll save with surcharging
We handle the legal complexity so you don't have to
Complex Compliance Made Simple
Surcharging laws vary dramatically by state and are constantly changing. Some states ban it entirely, others allow it with restrictions, and card brands have their own rules. KurePay's surcharging solution automatically handles all compliance requirements, updates with law changes, and ensures you never accidentally surcharge debit cards (which is illegal nationwide). Our smart technology identifies card types in real-time and only applies surcharges where legally permitted.
Everything You Need for Compliant Surcharging
Complete surcharging solution with built-in compliance
Automated Compliance Engine
Stays updated with all 50 states' laws and card brand rules. Automatically adjusts surcharge caps and restrictions based on location.
Smart Payment Detection
Advanced BIN detection ensures surcharges only apply to credit cards. Debit and prepaid cards are never surcharged.
Transparent Customer Notices
Automated signage generation, checkout disclosures, and receipt formatting that meets all legal requirements.
Detailed Analytics & Reporting
Track surcharge revenue, customer payment methods, and compliance metrics with comprehensive reporting.
Best practices to maintain customer satisfaction
Implement Surcharging Without Losing Customers
While 71% of consumers say they avoid businesses that surcharge, KurePay helps you implement it strategically. We recommend clear communication about why surcharging helps keep prices low, offering cash discount alternatives, training staff on proper explanations, and considering surcharging only for large transactions. Our data shows businesses that follow these practices retain 95% of their customer base while eliminating processing costs.
Understanding Credit Card Surcharging with KurePay
What is Surcharging?
Surcharging is the practice of adding a fee to credit card transactions to offset the merchant’s processing costs. This fee, typically 2-4% is passed to the customer at the point of sale. With KurePay’s surcharging solution, you can recover 100% of your credit card processing fees while staying fully compliant with state laws and card brand rules.
The Law
Surcharging laws vary greatly across the US. Some states prohibit it altogether, others allow it with restrictions and card brands like Visa and Mastercard have their own rules. KurePay’s system is always up to date with all the regulations so your business is always compliant no matter where your customers are.
Benefits to Your Business
Surcharging can transform your business finances. You’ll instantly recover processing costs that eat 2-4% of every transaction. This preserves your profit margins without having to raise prices to all customers. Plus surcharging naturally incentivizes cash payments which can further reduce your payment processing costs.
Alternative: Cash Discount Programs
If surcharging isn’t right for your business KurePay also offers cash discount programs. Instead of adding fees to credit card transactions you can offer discounts to customers who pay with cash. This achieves similar cost savings but with a more positive customer perception. Our team can help you determine which approach is best for your business.