100% compliant surcharging solution allows businesses to accept credit cards for 0% while offering customers a no-fee option of debit card.


Businesses can Accept Credit Cards for 0%

Pay 0% on all credit card transactions and only pay on debit card transactions. Our surcharging solution keeps you 100% Compliant, ready to accept credit cards without any equipment requirements. The surcharge passed onto your customers who choose to use a credit card, eliminating the credit card processing fees for businesses.


What is Credit Card Surcharging?

When businesses accept credit cards as a form of payment they pay processing fees associated with the transaction. As credit card processing fees increase businesses see a negative effect on their bottom line. Credit card surcharging is when a business passes on the fee of the credit card to the customer. 

Historically businesses build in the cost of credit cards to their pricing putting the customers who do not pay with a credit card at a disadvantage.

Many B2B and wholesale businesses add a fee to pay with credit cards not realizing that they need to follow the rules set by the card brands

How does Credit Card Surcharging work?

How can businesses eliminate the credit card processing fees

When a customer chooses to pay with a credit card they also cover the fee allowing the business to receive 100% of the sale. If the product or service costs $100 the business receives $100.

Credit card surcharging is not as simple as adding a fee, in order for a business to surcharge they must follow the rules set by the card brands. Unfortunately, many businesses are not aware of these rules, not realizing they can be fined or terminated.

How does Debit Card Surcharging work?

What happens when customer pays with debit card

When a customer chooses to pay with a debit card the businesses CANNOT pass on the fee. One of the rules set by the card brands is that you cannot surcharge on debit cards.

Next time a business tells you there is a fee for a credit card, ask them if they charge a fee for debit. If they do charge a fee for debit you know they don't have a compliant solution. Most merchant processors allow customers to run a debit card as a credit card, if the solution allows this there is no way for them to stay compliant.

Keep in mind this is not the only rule set by the card brands. Later in this page you will see the list of rules set by VISA, Mastercard and American Express.

What if my Customer doesn't want to pay a fee for credit card?

On average customers will pay with credit cards when presented with the option. Most customers pay with credit cards because they earn points and rewards, not because they cannot afford your product or service. Credit cards with higher points and rewards cost the business more in fees, reducing their profit margin.

"There's no fee for debit"

Tell the customer there is no fee for debit cards! It is not compliant for businesses to charge a fee when customers pay with a debit card. Our 100% compliant solution detects when the customer pays with debit and doesn't charge the fee. When the customer pays with personal debit the business pays 1% and $0.25 per transaction. Which is much less than they would otherwise pay.

This eliminates the risk of customers paying with credit cards, just to get points.

What if the business doesn't want to pay a fee to accept debit cards?

Businesses can opt-out of accepting debit so that their customers can only pay with a credit card. By doing this the business processes unlimited credit cards paying zero cost in processing fees.

Ways to Accept Credit Card Payments

Taking credit cards via mobile phone

Swipe Simple Accept Credit Cards Via Mobile Phone

Accept Mobile Payments on the go

One of the easiest ways for small businesses to accept credit cards on the go. Accept secure payments with any iPhone (IOS) or Android device.

  • Accept contactless or magnetic stripe payments as well as EMV Quick Chips from anywhere.
  • Accept Offline Payments: Offline mode allows your business to accept payments when a wireless connection isn't available.
  • Mobile Phone Payment solution is compatible with most IOS and Android phones and tablets.

Taking credit cards via Hosted Payment Page

Customer Facing Payment Page Example 2

Accept Online Payments through a hosted payment checkout

Compliant Credit Card surcharging hosted payment page notifies customers of the fee for a credit card while giving them a no-fee option of debit. Allowing your business to pay zero card fees to accept online payments while staying 100% compliant for surcharging.

  • Insert a link into your invoices that take customers to your own dedicated hosted payment checkout.
  • Integrate with Pay by Check ACH services
  • Easily integrate links within your Intuit QuickBooks to eliminate the cost of credit card fees.
  • Add a payment portal directly to your website where customers can go to pay their bills.
  • Include customized fields such as Invoice and customer number to improve reporting features.

Omnichannel processing solution for all ways businesses accept credit cards

You must follow the rules of the card brands in order to add a fee for credit card

What happens if I don't follow the rules?

Non-compliance can result in termination or fines.

Videos

Is a Cash Discount Program Compliant?

Learn why most cash discount programs are not a compliant alternative to surcharging.

Credit Card Surcharging Rules for Businesses to pass on the credit card fee

The rules businesses must follow in order to pass on the credit card fee to the customers

Schedule a Demo to see how Zero Cost Credit Card Processing works


Free Merchant Processing Fee Savings Analysis

Let's see how much we can save your business in merchant processing fees. We have a wide range of processing solutions and in some cases can eliminate the fees you pay to process credit cards.

QuickBooks Integration

Our Quickbooks Zero Cost Credit Card Processing Integration allows you to Keep using QuickBooks while paying 0% to process credit cards. Our Simple to use surcharging solution allows you to eliminate processing fees by passing on the fees and maintaining compliance.

Industries

Offering customized industry-specific zero cost credit card payment processing solutions. Find out how zero cost credit card payment processing benefits your industry.

Property Management - Zero Cost Credit Card Processing

Payment processing Solution allows property managers the ability to pay no credit card processing fees when accepting credit cards for rent payments.

Attorney & Lawyer - Zero Cost Credit Card Processing

Zero Cost Credit Card Payment processing allows Attorneys to pay 0% in credit card processing fees. The compliant surcharging solution allows lawyers to pass on the fee and take large transactions without hurting their bottom line.

Construction Company - Zero Cost Credit Card Processing

Construction Companies can pay 0% to process credit card transactions. Now they can get paid quickly without hurting their bottom line.  Many construction companies pass on the fee for a credit card without following compliance. Our credit card surcharging solution is 100% compliant.

Auto Dealer - Zero Cost Credit Card Processing

Auto Dealers pay zero credit card processing fees. Now sales reps can take large down payments by credit card closing more sales without hurting your bottom line.

Self Storage Business - Zero Cost Credit Card Processing

Zero Cost Credit Card processing allows Storage Facilities to eliminate the fees they pay to process credit cards. Set up recurring billing and only pay on debit card transactions.

Retail eCommerce - Zero Cost Credit Card Processing

Integrate surcharging solution with your eCommerce platform to rank higher on price-driven shopping engines. Most eCommerce sites add the cost of the credit cards to the listed price. Why not list the item for a lower cost and sell more units while only paying on debit.

Reduce Credit Risk - Zero Cost for Collection & Credit Managers

Increase collection rates and speed up AR turnover without hurting your bottom line. A 100% compliant surcharging solution allows your businesses to accept credit cards and pass on the fee to the customer.

Restoration Companies - Zero Cost Credit Card Processing

Allows restoration companies to accept credit card and pay 0% in credit card processing fees. The solution is a compliant surcharging solution. Many restoration businesses add a fee not realizing they can be terminated. Our turnkey solution has you covered.

Software as a Service (SAAS) - Zero Cost Credit Card Processing

Eliminate Credit Card Processing Fees while Incentivizing customers to use debit vs credit. Improving SAAS companies bottom line.

Merchant Service Referral Program

Earn residual income by referring over businesses that sign up with BNC Finance. Its easy we do a free merchant savings analysis and if they sign up you earn income month over month. 

All Merchant Service Solutions

A wide range of omnichannel processing solutions. Allowing customized integration for all ways of taking payments.