Independent businesses โ€ข Metro Detroit

Credit Card Surcharging in Metro Detroit

Explore whether a credit card surcharge fits your business, your customers, and your payment setup.

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Talk with Joshua and Jason: (248) 963-1244

Understand the difference before changing prices

Surcharging adds a fee to an eligible credit card purchase. Cash discounting instead reduces the standard price for cash payments. We help you compare the business impact of each approach alongside your existing processing arrangement.

Build the requirements into the setup

Visa does not allow surcharges on its debit or prepaid cards, even when processed without a PIN. Applicable limits, advance notices, customer disclosures, and receipt requirements must be checked with your processor before launch. Requirements can vary by card network and location.

Start with a statement review

Joshua and Jason can review your current processing costs and discuss customer experience, equipment support, and available program options. We serve independent businesses across Metro Detroit and nearby communities. Your review starts with the details of your business, not a promise of zero costs.

Common questions

Can I add the same surcharge to every card?

No. Card type and network requirements matter. Have your provider confirm eligible transactions and configure your equipment appropriately before starting.

What surcharge percentage should I use?

There is no universal percentage for every business. Your processor must confirm the permitted amount for your costs, card networks, and applicable rules.

Program basics: Visa merchant rules. Confirm current requirements with your processor before implementing a program.

Compare your options

See what your merchant statement tells us.

Request a free audit and optionally upload your latest statement through our secure form. We will review the details and follow up with you.

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