Surcharge Processing Program
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.
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:
- Customer pays with a credit or debit card
- Credit card payments have a small, compliant fee added to the total — paid by the customer
- Debit card payments do not show any fee to the customer, but you pay the standard debit processing cost
- Your deposit reflects the full sale (minus applicable debit costs), and reporting shows everything clearly
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
DynoPay’s Surcharge Program is designed to help businesses dramatically reduce credit card processing expenses while remaining fully compliant. By shifting eligible credit card fees through a transparent surcharge model, businesses can eliminate nearly all processing costs while customers using debit continue to pay zero additional fees. The system automatically applies compliant surcharge logic, works seamlessly with both countertop and mobile terminals, and includes professional signage to ensure customers are clearly informed. The result is a simple, legally structured solution that protects margins without disrupting the payment experience.
See What the Customer Pays and What You Keep
📝 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.