Credit Card Surcharging Savings Calculator
Enter your monthly card volume and current effective rate to see how much a surcharging program could reduce your processing costs.
Calculator
Total monthly credit card sales in dollars
Enter your own estimate of the share of card customers who keep paying by card. Starting value: 90%
Total monthly fees ÷ monthly volume × 100
Rules vary by state and card network, and GoPayhawk confirms requirements during setup.
Example: merchant net cost after surcharging is 0.25% of remaining card volume. Actual cost varies. Debit cards are not surcharged. Results are estimates only.
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How surcharging reduces your processing cost
When you implement a surcharging program, credit card customers see a line-item fee added at checkout that covers your processing cost. The customer pays the fee directly, and you keep your full sale amount. You still pay a program cost, which varies. The calculator above uses 0.25% of remaining card volume as an example.
Surcharging applies only to credit cards, and debit cards are not surcharged. If you need a model that can also cover debit transactions, cash discounting is the alternative. The two work differently and use different signage. Rules vary by state and card network, and GoPayhawk confirms requirements during setup.
GoPayhawk handles card network notifications and provides signage as part of setting up your surcharging program. See how the program works on the surcharging pricing page or request a free statement analysis to see what you'd save on your actual volume.
Surcharging FAQ
Yes. Rules vary by state and card network, and GoPayhawk confirms requirements during setup.
Rules vary by state and card network and are confirmed during setup. GoPayhawk confirms the surcharge amount for your business when your program is set up.
No. A GoPayhawk surcharging program applies to credit card transactions only, and debit cards are not surcharged. Cash discounting is an alternative that can also cover debit transactions.
Rules vary by state and card network and are confirmed during setup, including customer notice and receipts. GoPayhawk confirms what applies to your business.
Surcharging adds a fee to the card price. Cash discounting advertises a higher standard price and offers a discount for cash. Both reduce merchant processing costs, but they use different signage, and surcharging applies only to credit cards. Rules vary by state and card network, and GoPayhawk confirms requirements during setup.
GoPayhawk handles card network notifications as part of program setup and confirms the timeline with you. Your terminal or gateway is also configured to apply and report the surcharge correctly.
Some customers may switch to another payment method, and price-sensitive markets may see more of that. Use the calculator slider to enter your own estimate and see where the economics break down for your volume.
After passing the surcharge to card customers, the merchant still pays a residual cost to cover program compliance, network fees, and processing infrastructure. This calculator uses 0.25% of remaining card volume as an example. Actual cost varies.
Ready to Add Surcharging to Your Business?
A free statement analysis shows what you'd save on your actual volume, and we'll walk you through setup.
