Dynamic Credit Card Surcharging for eCommerce Merchants

Recover the fees your company pays to process credit cards while remaining fully compliant. SurchX is the leading provider of surcharging technology, universally applicable and simple to setup. Get started today!

Devin Foster
Relationship Manager

Schedule a 15 Minute Call

P: 928.421.4230
C: 520.800.9541

What is SurchX?

SurchX is an easy, fast, affordable and fully compliant way to calculate the processing fee of a credit card being used by a customer and to pass that fee to the customer as a transaction fee with their order. This is also known as Surcharging. With the SurchX Dynamic Surcharging Solution, you can safely and securely recover the fees you pay to process credit cards while remaining in full compliance with the more than 60 regulatory bodies that govern surcharging in the United States.

  • The first and only fully compliant, agnostic surcharging solution
  • Backed by SurchX Compliance Guarantee
  • Millions of processing fee calculations every day
  • No PCI compliance required
  • Activates and deactivates quickly and easily
  • Includes a test mode for testing card transactions prior to activation
  • No out-of-pocket costs
  • Full integration support from our SurchX Customer Success Team

Features & Benefits

SurchX offers easy, fast, affordable and fully compliant dynamic surcharging.

Universal Compatibility

SurchX Dynamic Surcharging has been developed as a platform agnostic technology available for use with virtually any system, such as: Magento, WooCommerce, and other eCommerce platforms.

Setup is Quick and Easy

Implementation is simple. Depending on your system, SurchX installation and testing is approximately 5 hours from start to finish.

No Out-of-Pocket Costs

SurchX is available to eCommerce merchants at no cost. We add up to 0.5% to the transaction, if allowed. Your customer pays that. It is collected with the surcharge. Some cards actually cost more than you can legally collect to process. In that event, we don’t charge anything.

You’ll Make Money, Guaranteed

In business the name of the game is profit. If you accept credit cards and you are not using dynamic surcharging, you are leaving a huge amount of money on the table. We guarantee that you are always in compliance while getting the maximum benefit to your bottom line.

Major Increase in Net Margin

Increasing profits is as easy as flipping a switch. With the implementation of SurchX merchants can increase their net margin by up to 30% overnight.

No Risk to You

SurchX is the first and only fully compliant, agnostic dynamic surcharging solution available to merchants. Using the first six digits of the credit card being used and the zip code, SurchX calculates the processing fee to pass to the customer in real time, no PCI compliance required.

How SurchX Works

Simply put, SurchX does what is virtually impossible for a merchant to do on their own. SurchX does the heavy lifting, eliminates compliance risk, and provides merchants with a single line item in their shopping carts at checkout labeled “Transaction Fee.”

Download the SurchX Extension

SurchX is available for multiple platforms and systems. If you use a platform like Magento or Woo Commerce you can find the SurchX extensions in their marketplace by simply searching for “SurchX”. Otherwise, you will be provided a link by the SurchX Customer Support Team.

Install the SurchX Extension

Installing the SurchX can be as simple as dragging and dropping the files into the right spot. The entire installation and testing process is approximately 5 hours from start to finish. In certain situations the SurchX Customer Support Team will aid with the installation process.

How SurchX Works with Your Shopping Cart Experience

The SurchX extension embeds a line item in the merchant shopping cart at checkout labeled “Transaction Fee.”  When a customer uses a credit card as their payment method that results in a processing fee, the extension references the first six digits of the card number entered and the zip code of the billing address entered and with this information queries the SurchX dataset through an API call. Armed with the percentage rate of the card, the extension calculates the processing fee for a customer’s order and places that amount under Transaction Fee in the cart.

No investment or out-of-pocket cost for merchants

SurchX is free and requires no subscription or setup costs for the merchant to surcharge.

What’s in it for us?

We recover the most you can get by law. We add up to 0.5% to the transaction, if allowed. Your customer pays that. It is collected with the surcharge. Some cards actually cost more than you can legally collect to process. In that event, we don’t charge anything. Not one penny.*

Simple.

*In most cases. Transactions classified as high-risk are always subject to the full 0.5% fee. For more details talk to your SurchX Relationship Manager.

Common Questions

Can’t find the answer to your question? We’re happy to talk to you directly, call 928-421-4230

What is a transaction fee or surcharge?

A credit card transaction fee, often called a “surcharge”, is when a merchant recovers the processing fee incurred by passing it on to customers who choose to use a credit card. The fee amount shows up on the customer’s receipt most often labeled as a transaction fee.

How does Dynamic Surcharging work?

When a customer uses a credit card as their payment method that results in a processing fee, the extension references the first six digits of the card number entered and the zip code of the address entered and with this information queries the SurchX dataset. Armed with the percentage rate of the card, the extension calculates the processing fee for a customer’s order and places that amount under Transaction Fee in the cart at checkout.

What is the maximum I can surcharge?

The maximum credit card surcharge is 4% of the transaction total, or the actual cost to process cards, whichever is lower. Merchants are not allowed to profit from credit card surcharges.

Is surcharging legal in my state?

Credit card surcharges are legal in 44 states. Currently as of March 2019, Connecticut, Colorado, Kansas, Maine, Massachusetts, and Oklahoma are the only states that still have surcharging bans. Multiple judicial decisions, including one made by the Supreme Court in the case of Expressions Hair Design v. Schneiderman established that most laws banning surcharging are a violation of the Free Speech Clause of the First Amendment.

How can customers avoid paying the fee?

United States consumers making purchases can avoid paying a transaction fee by using any other payment method, including debit cards, some government issued credit cards, cash, checks, or electronic payments such as Automated Clearing House (ACH) if offered as an option.

How much wood can a woodchuck chuck?

A lot. Now imagine if that woodchuck wasn’t chucking wood. This scenario is similar to a merchant not surcharging, except instead of missing out on wood, you’re missing out on profit. Stop thinking about woodchucks chucking wood and start surcharging.