What is surcharging?

Merchants are permitted to offset the cost of credit card acceptance by adding in an non-cash adjustment.

Cost of acceptance is interchange, dues & assessments and any authorization fees. Additional fees such as, statement fees, annual fees, PCI Compliance fees are not included in the cost of acceptance.

What is a cash discount?

Any customer who pays with alternative forms of payments, such as cash or gift cards,

will receive a cash discount.

Does a business make money by cash discounts or surcharging?

Cash discounts and surcharging programs are not designed to be a revenue stream for businesses, but an appropriate and balanced way to offset processing costs.

Can surcharging be applied to pre-paid or debit cards?

Surcharging for PIN based or pre-paid transactions is not allowed.

Are cash discounts and surcharging programs available in all 50 States?

Merchants in all 50 U.S. states are permitted to offset the cost of credit card acceptance by

adding implementing either a surcharging or cash discounting program.

How does a customer know if they are paying a cash discount or surcharge?

Merchants must display proper signage at the point of purchase. InBalance provides compliant signage free of charge.

Businesses can also download additional signage at InBalancePayments.com/sign.

The cash discount or surcharging non-cash adjustments are shown on the customer’s receipt.

How much of a cash discount or surcharge is offered?

The typical non-cash adjustment amount is equal to the average effective interchange rate plus applicable network fees and cannot exceed 4%.

What does a typical receipt look like?

Below is an example of what an InBalance surcharging receipt looks like, this is dependent on what the rate is set to. 

Non-Cash Adjustment Receipt.jpg