Allied CardPay helps ecommerce merchants, invoice-based businesses, and online platforms add clearly disclosed 3.00% credit card surcharges at digital checkout while keeping debit and prepaid card transactions out of the surcharge flow.
Ecommerce surcharging is different from a retail countertop program because the customer must see the fee clearly before final payment authorization. A proper setup needs card-type detection, checkout disclosure, receipt itemization, and rules that prevent surcharges on debit and prepaid cards.
Debit and prepaid cards are not eligible for surcharging, even when a debit card is run as credit.
The surcharge should be shown before payment is submitted and displayed clearly on receipts.
Card-network rules generally limit surcharges to the applicable cost of acceptance and network caps.
State laws vary, so merchants should review state-specific requirements before enabling surcharging.
Allied CardPay helps align the gateway, checkout flow, and customer disclosure process so the surcharge is visible, consistent, and applied only where allowed.
Configure your gateway, hosted payment page, invoice, or payment link flow to display the 3.00% surcharge before final payment authorization.
Use payment technology that helps distinguish credit from debit or prepaid transactions so non-eligible cards are handled correctly.
Show surcharge details clearly in the checkout summary and transaction receipt so customers understand the final amount.
Surcharging can be useful for businesses with higher online card acceptance costs, especially when pricing transparency is built directly into the payment experience.
Talk with Allied CardPay about your website, invoices, checkout flow, card mix, and processing costs to determine whether surcharging is a fit.
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