Accept Credit Cards
Without Paying the Fees

DynoPay’s Surcharge Program helps you offset your processing costs — so your customers cover the fee on credit card payments, not you.

A Smarter Way to Accept Credit Cards

The Surcharge Program allows you to recover your credit card processing costs by passing a small, regulated fee to your customers only on credit transactions. Debit card purchases remain fee-free. It’s fully compliant and designed for businesses that want to eliminate unnecessary processing expenses.

Only Credit Cards Are Affected by the Surcharge

Step-by-Step Overview:

  1. Customer pays with a credit or debit card
  2. Credit card payments have a small, compliant fee added to the total — paid by the customer
  3. Debit card payments do not show any fee to the customer, but you pay the standard debit processing cost
  4. Your deposit reflects the full sale (minus applicable debit costs), and reporting shows everything clearly
Made for Owners Who Want to Keep More of Every Sale

This Program Is Ideal For:

  • Merchants with high card usage and rising processing costs
  • Business owners who want clean, compliant cost recovery
  • Those tired of seeing 3–4% vanish with every swipe
  • Professionals who value simplicity and net-profit clarity
  • Entrepreneurs who want low overhead without adjusting their prices
Why Choose DynoPay’s Surcharge Program?
  • Eliminate nearly 100% of your credit card processing costs
  • Customers using debit still pay zero fees
  • Automated system logic ensures compliance
  • Works with countertop and mobile terminals
  • Professional signage provided
  • Transparent, legally structured solution
See What the Customer Pays and What You Keep
Payment TypeCustomer PaysFee to MerchantYou Receive
Debit (e.g. Visa):$10.00$0.09$9.91
Credit (e.g. Amex):$10.30$0.00$10.00

📝 Customers using credit cards cover the processing fee. For debit, you cover a small transaction cost — but the customer still sees a clean $10.

Fully Compliant With All Surcharge Regulations

Our program is built to meet state and federal guidelines. We’ll provide the signage, terminal setup, and customer-friendly disclosures you need — so everything is done the right way from the start.

Already Accepting Cards? We’ll Simplify the Switch

If you’re currently absorbing your processing costs, we’ll help you convert to surcharge with minimal effort. We handle the configuration and training, and your deposits stay consistent — just without the cost drain.