--- title: "Surcharging | Pass Card Fees to Customers | Coreware" description: "Sign up to activate surcharging on your Coreware account. Pass card fees to customers where rules allow, with settings tied to Coreware merchant processing." url: "https://coreware-v3.coreware.online/surcharging" site: "Coreware" --- # Surcharging | Pass Card Fees to Customers | Coreware > Sign up to activate surcharging on your Coreware account. Pass card fees to customers where rules allow, with settings tied to Coreware merchant processing. Your Heading Coreware merchant processing Your Heading 3% flat. Pass it through. Edit this text Get a flat 3% processing rate plus a compliant surcharge program that passes the cost of credit card acceptance to customers where permitted. Offset your processing fees instead of absorbing them. Talk To Sales See How It Works Your Heading Credit cards only Your Heading Disclosed at entry & on the receipt Your Heading Coreware handles the compliance setup Your Heading Credit cards only Your Heading Disclosed at entry & on the receipt Your Heading Coreware handles the compliance setup Your Heading Coreware merchant processing Your Heading 3% flat. Your Heading Surcharge Your Heading Up to 3% of credit card sales is passed through to the customer. Your Heading Disclosure Your Heading Shown at the point of entry, at checkout, and on every receipt. Your Heading Setup Your Heading Coreware handles the compliance setup, in states where surcharging is permitted. Your Heading How it works Your Heading Three steps. One flat rate. Edit this text The surcharge is added to credit card transactions, disclosed up front and itemized on the receipt, so your processing cost is passed through instead of coming out of your margin. Your Heading We set you up at 3% flat Edit this text Coreware configures your merchant account, terminals and checkout for the surcharge program, and handles the compliance setup for your state. Your Heading Credit · 3% surcharge Your Heading Debit Your Heading Prepaid Your Heading Customers see it before they pay Edit this text Clear notice at the point of entry and at checkout tells customers a surcharge applies to credit cards before they choose how to pay. Your Heading How it works Edit this text We add a 3% surcharge to credit card transactions. The surcharge does not exceed our acceptance costs. We do not surcharge debit or prepaid cards. Your Heading It’s itemized on every receipt Edit this text The surcharge prints as its own line, so customers see exactly what was added and you keep a clean record. Your Heading CoreY inside Coreware Your Heading AI that already knows where you work. Edit this text Ask questions, understand performance, prepare content, and find the next useful move—inside the platform connecting your business. Meet CoreY Your Heading Savings example Your Heading What 3% looks like at your volume. Edit this text On credit card sales, the surcharge offsets the processing fee rather than leaving you to absorb it. Your Heading $1,500/mo Edit this text in fees offset in this example Your Heading $18,000/yr Edit this text in fees offset in this example Edit this text Illustrative example only, not a guarantee of results. Assumes all $50,000 is credit card volume surcharged at 3% in a state where surcharging is permitted. Debit, prepaid and cash sales aren’t surcharged. Because the 3% rate also applies to the surcharge itself, a small difference remains (about 9¢ per $100 of sales). Your results depend on your card mix. Your Heading Compliance built in Your Heading Surcharging, done by the rules. Edit this text Card-brand rules and state laws decide how surcharging works. Coreware builds those rules into your setup so the program holds up. Your Heading Credit cards only Edit this text Surcharges apply to credit card transactions only. Debit and prepaid cards can’t be surcharged, even when they’re run as credit. Your Heading Capped at 3% Edit this text Card-brand rules cap a credit card surcharge (Visa’s cap is 3%) and limit it to your cost of acceptance. With a 3% flat rate, the surcharge matches your rate and stays within the cap. Your Heading Disclosed at the point of entry Edit this text Customers are told about the surcharge before they pay: at the entrance or point of entry, at the point of sale, and before checkout online. Your Heading Itemized on the receipt Edit this text The surcharge amount appears as its own line on every receipt, separate from the sale. Your Heading State rules handled Edit this text A few states restrict surcharging. Coreware handles the compliance setup, and surcharging is offered in states where it’s permitted. Your Heading Online and phone orders Edit this text For card-not-present sales, the surcharge must be disclosed before the customer completes payment and shown on the receipt. Talk to us about surcharging on each of your sales channels. Your Heading Debit and prepaid cards Edit this text Debit and prepaid cards can’t be surcharged. For those, ask us about cash-discount or dual pricing, where a card price and a lower cash price are both posted up front. Ask About Dual Pricing Edit this text This page is general information, not legal advice. Surcharging is subject to card-brand rules and state law, which can change. Your Heading What’s included Your Heading Everything Coreware processing already does. Edit this text The surcharge program runs on Coreware merchant processing: secure, versatile and built into the Coreware platform. Your Heading All card types and brands Edit this text Accept every card type and brand in retail, eCommerce, invoicing, mobile and phone orders. Your Heading EMV chip to mobile wallets Edit this text From EMV chip to mobile wallets, Coreware keeps transactions secure and reliable. Your Heading PCI compliant technology Edit this text Bank-level security measures safeguard payment information and protect customer and business data. Your Heading Next-day funding Edit this text Next-day funding helps streamline your finances and improve cash flow. Your Heading Built into Coreware Edit this text Manage operations and accept payments from a single platform, with simpler reporting and reconciliation. Your Heading Dedicated customer support Edit this text Coreware’s support team helps with hardware, software and monthly statement questions. Your Heading Dejavoo P1 Edit this text An advanced payment terminal offering secure, efficient transaction processing. Buy now Your Heading Dejavoo QD3 Edit this text A user-friendly payment terminal supporting EMV, NFC, and magnetic stripe transactions. Buy now Your Heading FAQ Your Heading Questions, answered. Edit this text Don’t see yours? Email sales@coreware.com - Is surcharging legal? - Can I surcharge debit or prepaid cards? - What do my customers see? - Does the surcharge cover the whole processing fee? - Does it work online and over the phone? - Which terminals can I use? - How fast do I get my money? Edit this text Card brands allow merchants to surcharge credit card transactions within limits: the surcharge is capped (Visa’s cap is 3%), it must be clearly disclosed, and it can’t be applied to debit or prepaid cards. A few states restrict surcharging, so it’s offered in states where permitted, and Coreware handles the compliance setup. Edit this text No. Debit and prepaid cards can’t be surcharged, even if the customer runs them as credit. To recover costs on those, ask us about cash-discount or dual pricing. Edit this text A notice at the point of entry and at checkout (or on the checkout page online) explaining the credit card surcharge before they pay, and a separate surcharge line on the receipt. Edit this text On credit card sales, a 3% surcharge offsets the 3% rate. Because the rate also applies to the surcharge amount, a small difference remains (about 9¢ per $100). Debit, prepaid and cash sales aren’t surcharged. Edit this text Coreware merchant processing supports retail, eCommerce, invoicing, mobile and phone orders. For card-not-present sales, the surcharge must be disclosed before the customer completes payment and shown on the receipt. Talk to sales about surcharging on each channel. Edit this text Coreware offers the Dejavoo P1 and the Dejavoo QD3, which supports EMV, NFC and magnetic stripe transactions. Edit this text Coreware merchant processing offers next-day funding. Your Heading Talk to sales Your Heading Ready to pass it through? Edit this text Tell us about your business and card volume. We’ll walk through the 3% flat rate and the compliance setup for your state. Contact Sales Book a Demo Edit this text sales@coreware.com