Card Acceptance Options
Which option is right for your business?
Traditional Processing
Traditional processing is the conventional payment acceptance model in which the business assumes the full cost associated with card transactions. Under this structure, processing fees are assessed as a percentage of each transaction and vary based on the card brand, specific card classification, qualification level, transaction method, and overall processing environment. Because each transaction can fall into a different category, costs fluctuate depending on how the payment is presented and settled. This model provides a straightforward framework for acceptance, with the merchant retaining responsibility for all associated processing expenses.
Surcharged Processing
Surcharged processing is a payment acceptance model in which the consumer pays a flat three percent surcharge on eligible credit card transactions to offset the cost of acceptance. Under this structure, the surcharge is applied in accordance with card brand regulations and clearly disclosed to the cardholder at the point of sale. Importantly, surcharging applies only to credit card transactions, as card brand rules prohibit the application of surcharges to debit cards. This model shifts the majority of credit card processing expense away from the business while maintaining full compliance with network guidelines and transparency requirements.