Though the norm has been to consider credit card processing fees “part of doing business” mostly due to U.S. regulations, surcharging is actually the fairest way to deal with the merchant credit card processing fee.  Without surcharging the fees, many merchants bake the credit card processing fee into the price of their products and services, no matter the payment method. That means that customers that pay with alternative free payment methods such as cash, debit cards or even ACH, are subsidizing credit card payers by also paying the fees when in reality they shouldn’t necessarily be. By surcharging the fees, customers know up front that if they choose to pay by credit card, let’s say because they want the points with a particular card which ultimately costs the merchant higher rates, that they will have to pay the transaction fees associated with the card they choose.

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