Compliant Surcharging

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Turn Processing Costs Into Transparent Pricing

Compliant surcharge solutions built for merchants.

With Payvora’s compliant surcharging option, you get the freedom to shift credit-card processing fees to customers — legally, fairly, and transparently. Our system ensures full compliance so you can protect your margins and keep your business moving.

What Exactly Is Compliant Surcharging?

Understanding the smart way to offset card-processing fees.

Compliant surcharging means adding a small, disclosed fee when a customer pays with a credit card — rather than absorbing those costs yourself. It’s only applied under strict guidelines: not on debit cards, fully disclosed at checkout, and only in states that allow it.

Why Offer Surcharging?

Gain control over your processing costs.

Reduced processing costs

Let your customers cover credit-card fee burdens while still offering payment flexibility.

Transparent pricing

Clear disclosure builds trust with customers and avoids surprises.

Operational simplicity

Automatic calculations and compliant receipts streamline your process.

How It Works — Compliant & Clear

We handle the rules so you just focus on business.

Payvora’s technology handles everything: identifying credit vs debit cards, applying the correct surcharge, generating receipts, and ensuring brand & state compliance.

Clear disclosure at the point-of-sale and on receipts.
Surcharge only applied to eligible credit-card transactions — debit and prepaid cards are excluded.
Surcharge amount never exceeds card-brand limits or your cost of acceptance.
State-law restrictions handled — we flag when surcharging isn’t permitted in your region.

The Payvora Advantage for Surcharging

Secure, compliant, and tailored for merchants.

Automatic compatible terminals & software that support surcharging flows.

Full support and guidance to stay compliant with card-brand rules and state regulations.

Detailed analytics: Track surcharge revenue, card usage, and cash-vs-card trends.

Dedicated team ready to help with setup, disclosures and optimization.

Let's Start Today

Ready to Shift the Cost of Credit-Card Processing?

Let Payvora implement your compliant surcharging strategy and boost your margins.