Surcharging done right—compliant, clear, and customer‑friendly
Selective Pay helps eligible merchants implement credit‑card surcharging or fee‑recovery programs that follow card‑brand rules and applicable laws—with signage, receipt language, and POS/portal settings handled.
✅ Credit‑only eligibility (debit typically excluded)
✅ POS, terminal, and portal setup
✅ Signage & receipt language templates
Compliance essentials (overview)
Program boundaries
- Apply to eligible credit transactions only; debit/prepaid often excluded.
- Use a program cap and never exceed allowed limits.
- Maintain a single, consistent policy across channels (where required).
Disclosures & receipts
- Post signage at entry and point‑of‑sale/online checkout.
- Show the surcharge as a separate line item on the receipt/checkout.
- Keep descriptors and totals clear for the cardholder.
Registration & notices
- Complete any required registrations/notices with your processor and brands.
- Update policy and contact information if locations or channels change.
Ongoing checks
- Review receipts/signage periodically.
- Monitor caps vs. actuals and update as interchange shifts.
- Train new staff and spot‑check customer experience.
How surcharging with Selective Pay works
Eligibility & setup
We confirm program eligibility, card types, locations, and your POS/portal capabilities.
Disclosures & signage
We provide entry/checkout signage templates and receipt language guidance.
POS & portal configuration
Credit‑only application, caps, and tax/reporting mapping per your policy.
Staff training
Talking points for cashiers/agents and a quick guide to common questions.
Monitoring & QA
Periodic receipts/signage checks and program health metrics in your dashboard.
Reporting & exports
Recovered fees, net effective rate, and clean exports to your accounting.
Trusted by business across the world
Free Surcharging Readiness & Savings Audit
Upload a recent statement. We’ll check eligibility, estimate impact, provide signage/receipt templates, and outline POS/portal configuration for a compliant rollout.
- Eligibility & registration checklist
- Channel/brand coverage plan
- Receipt & signage templates
- Net effective‑rate projections
Common questions
How is surcharging different from dual pricing or convenience fees?
Surcharging adds a fee to eligible credit transactions. Dual pricing presents distinct cash vs. card prices to everyone. Convenience fees apply only to certain channels. We can advise which model fits your goals.
Can I surcharge debit?
Many jurisdictions and card rules do not allow surcharging debit—even when processed as ‘credit’. We configure credit‑only to respect these boundaries.
Do I need special signage?
Yes—disclosures at entry and point‑of‑sale/checkout are typically required. We supply templates and receipt language guidance.
What about online checkouts?
We support clear disclosure at checkout, separate line item display, and exclusion logic for ineligible cards.
Ready to launch a compliant program?
We’ll help you validate eligibility, configure systems, and communicate clearly to customers.