Keep more of your revenue—while staying fully transparent with your customers.
Offset Credit Card Fees with
Our Compliant Surcharge Program
Summit Pay’s Surcharge Program helps you reduce payment processing costs by passing fees to customers who choose to pay with credit cards—all while remaining compliant with state laws and card brand rules. You only pay when a debit card is used. It’s a smart, transparent way to protect your margins without sacrificing service.
3 Reasons to Choose Us
Full Compliance,
Handled for You
We don’t just offer a surcharge option—we take care of every compliance step, from card brand registration to signage, receipt configuration, and legal requirements by state. You stay protected without lifting a finger.
Seamless POS &
Online Integration
Our surcharge program is built to work with both in-store and online environments. Whether you’re using a POS terminal, virtual terminal, or ecommerce platform, we ensure your system applies surcharges accurately and compliantly across all payment points.
Transparent,
No Cost Setup
Unlike others, we don’t charge hidden fees or setup costs to join our surcharge program. You get a turnkey solution—including training, signage, software setup, and support—at no extra cost to your business.
Key Features and Benefits:
We ensure your surcharge setup meets Visa, Mastercard, and state-specific requirements—so you stay protected.
No fees are added to debit cards, keeping you in full legal compliance.
Our team handles registration, signage, software configuration, and all backend requirements.
We provide in-store and online signage, receipts, and customer education tools to help inform your buyers.
Get ongoing help and education from our dedicated support team.
What is a Surcharge Discount Program?
A surcharge program is a pricing strategy that allows businesses to pass credit card processing fees directly to customers who choose to pay with a credit card. This means that instead of the business absorbing the transaction fee, the customer pays a small percentage—typically around 3%—on top of their total when using a credit card.
Innovation
Stay ahead in the competitive landscape with our forward-thinking approach to payment processing
Customizations
Tailor the Cash Discount Program to suit the specific needs and dynamics of your business.
Savings
Experience real and measurable savings on transaction processing fees
Surcharge Savings Calculator
Monthly Credit Card Volume: $0
Estimated Monthly Savings: $0.00
Estimated Annual Savings: $0.00
*This is an estimate based on the information provided (Based on 3% effective rate, 50% of volume for debit and a $50 average transaction, savings based on credit card sales). Per Occurrence fees will still apply
Frequently Asked Questions
What is a surcharge program?
A surcharge program allows merchants to add a small fee to credit card transactions to cover processing costs. It applies only to credit cards—not to debit or prepaid cards.
Is it legal in my state?
Surcharging is permitted in most states, but a few have restrictions. Our team will confirm your eligibility and guide you through all compliance steps before activation.
How is it different than cash discounting?
With cash discounting, prices are displayed at the credit card rate, and customers receive a discount for paying with cash or debit. Surcharging, on the other hand, adds a fee only when a customer chooses to pay with a credit card.
What are the costs involved?
There are no setup fees for the program itself. You only pay a small fee on debit card transactions and receive full access to our compliance tools, signage, and support.
Do I need special hardware or software?
We’ll assess your existing POS system or terminal for compatibility. Most systems can be updated easily to accommodate surcharging without needing new hardware.
Let's Start Processing
Quick setup. No long term contracts.