|Transactions that are processed without meeting all of the criteria set forth by the card associations will incur a surcharge. This means that you might be paying an additional percentage fee. Each card brand determines surcharging independently and adds additional fees if the data is not transmitted exactly as required. In a majority of cases, the surcharge percentage is greater than the base percentage, causing the transaction to cost more than double the stated rate. If the account is not set up correctly, it will cost you more money.