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Surcharging Programs

A compliant program that legally passes processing costs to card users, reducing or eliminating your monthly fees.

Overview

Surcharging Programs

When implemented correctly, surcharging can eliminate your processing fees almost entirely. NTJ manages the compliance, signage, and technical setup so you stay protected.

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Who this is right for

Retail stores: High card volume where eliminating fees makes a significant impact
Restaurants: Tight margin businesses where fees eat into profit
Service businesses: Businesses where customers expect transparent pricing
High-volume merchants: Businesses where fee elimination adds up fast

Features

What is included

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Fully Compliant

All card network and state compliance requirements handled.

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Eliminate Fees

Reduce or eliminate monthly processing costs.

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Proper Disclosure

Required signage and receipt language handled for you.

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Cash Discount Option

Alternative structure that rewards cash-paying customers.

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Real Savings

Significant annual savings for high-volume businesses.

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Ongoing Compliance

We monitor regulatory changes and update your program.

Ready to get started?

A free rate analysis costs nothing and takes 24 hours.

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Or email: jay.scott@ntjpaymentservices.com