A surcharge is a small fee added to a customer’s total only when they pay with a credit card.

It allows your business to recover the cost of credit card acceptance rather than paying it yourself.

Debit cards, cash, and checks are not surcharged.

Yes. Credit card surcharging is legal in most U.S. states when it follows the rules set by Visa, Mastercard, Discover, and American Express.

FeeShift ensures your program is fully card-brand and state compliant before activation.

No. Surcharges apply only to credit cards.

Debit and prepaid cards—whether run as credit or debit—cannot be surcharged under card-brand rules.

Most programs allow a maximum of up to 3%, but you can only charge what equals your true cost of acceptance.

FeeShift automatically calculates this to ensure you stay within guidelines. This fee goes directly to the bank.

Debit can not be legally surcharged. The business still pays the transaction fee for debit at 1%+$0.25

Card networks require merchants to:

• Notify their processor before enabling surcharging.
• Display clear signage at the point of entry and point of sale.
• Show the surcharge amount on the customer’s receipt and online checkout screen.
• FeeShift provides ready-to-use signage and templates to keep you fully compliant.

A surcharge is added when a customer pays with a credit card.

A convenience fee is charged for an alternative payment channel (like paying by phone or web).

They are not the same, and FeeShift ensures the correct structure for your business.

Cash discount programs mark up all prices and give a discount for cash/debit payments.

FeeShift is cleaner and more transparent—it only adds a surcharge to credit transactions, not across the board.

That means no confusing signage or customer complaints about “fake discounts.”

Yes, card brands require your processor to register the surcharge setup.

FeeShift handles all registration and compliance steps on your behalf before activation.

Yes, We supply the device at no upfront cost and is included in your SaaS Monthly Fee.

Most merchants are live within *3-5 business days* after signing the application for service.

Our team handles the compliance setup, signage, and equipment configuration for you.

Most don’t - Our system incentivizes your customers to pay with an alternative payment method that is less expensive for you to process such as debit or cash.

Customers understand that paying by credit card costs businesses money. When surcharges are *clearly disclosed* and debit/cash remain free to the card holder, customer acceptance is high—and you keep your profits.

Your sale amount and surcharge appear as separate line items.

FeeShift reports these clearly on your merchant statement, making reconciliation simple.

We track state-level surcharge regulations for you.

If your state has restrictions, we tailor your setup accordingly or recommend alternative solutions like cash discounting.

FeeShift works across all industries:

• Medical, Dental, and Veterinary practices
• Retail, Restaurants, and Franchises
• Home and Field Services
• B2B, Industrial, and Wholesale accounts

Many businesses save $1,000–$5,000 per month or more depending on volume.

You’ll see your exact savings in our *side-by-side rate comparison* once you upload your statement.

• Local in-person support
• Legal and compliant setup
• Transparent reporting and signage
• Backed by Elavon, a U.S. Bank company
• Fast next-day funding

None. If you’re not satisfied, you can turn the program off anytime— no penalties or fees. Simply send us an email and return the hardware.

Simply upload your most recent merchant statement or call (866) 944 3244.
We’ll prepare a free savings analysis and walk you through activation.