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P A Y T R A C

Surcharging

Eliminate Credit Card Processing Fees

Our Surcharge Program gives your business the freedom to accept every form of payment — without being weighed down by unpredictable processing fees. By applying a small fee to customers who pay with credit cards, while keeping debit and cash transactions at standard pricing, you can significantly reduce your monthly expenses and maintain consistent profits.

Fully Compliant Surcharge Technology

Operate confidently with our advanced, regulation-compliant system that meets all federal and state surcharging standards. We ensure your setup is done right — from registration to signage — so your business stays protected and compliant at every level.

Simple. Transparent. 100% Compliant.

Our surcharging solution removes credit card processing costs entirely while staying within all card brand rules and compliance limits.

How We Keep You Protected

Card Brand Registration

We assist in registering your business with major card brands before implementing surcharging.

Customer Notification

You’ll receive all required signage and instructions to properly inform customers at checkout.

Capped at 3%

The surcharge rate is automatically calculated and never exceeds the allowed 3%, ensuring your business remains compliant.

Accurate Transaction Handling

The surcharge and transaction amount are processed together in a single step — no confusion, no errors.

Clear Receipts

The surcharge fee is automatically itemized on the customer’s receipt as a separate line item.

Debit Card Detection

The system instantly recognizes debit cards and applies no surcharge, keeping you fully compliant.

Keep Every Dollar You Earn

With our Surcharge Program, you keep 100% of your sale revenue — without sacrificing compliance, transparency, or customer trust.