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Offset Payment Processing Costs with Compliant Surcharging*
Global Compliant Surcharging Built-In
Credit cards are an efficient payment option for customers, but transaction fees can eat away your margins. Businesses can offset these costs and protect profitability without sacrificing the overall customer experience.
BlueSnap, powered by Payroc, enables international, compliant surcharging on eligible transactions for businesses located in the U.S., Canada and Australia.
Our technology supports compliance, reviewing each qualifying transaction for the ability to surcharge based on card brand requirements.
The Benefits of BlueSnap’s Compliant Surcharging
Preserve Margins
Global Scale
Stay Compliant
Increase Sales
Offset Transaction Fees & Increase Profitability
BlueSnap helps you preserve margin with surcharging on qualifying credit card and digital wallet transactions in the U.S., Canada and Australia. We offer surcharging on major card brands and popular digital wallets that others don’t, including:
- Visa
- Mastercard
- American Express
- Discover
- Apple Pay
And for businesses operating in Australia, we also enable surcharging on debit and prepaid cards, allowing you to save margin on more of the payment methods your customers use.
Compliance Support for Surcharge Success
BlueSnap provides information and educational resources to help you properly implement compliant surcharging on a global scale.
Depending on how you integrate – BlueSnap Checkout or API – we can assist with displaying and disclosing surcharges, notices on checkout pages and message requirements to help you stay compliant.
Our technology reviews qualifying transactions and automatically prices them based on the rate we’ve set.
Speak with a Payments Expert
At BlueSnap, we know payments. We’d love to help you strategize about how your business can get the most out of payments.
Enable Compliant Surcharging However You Use BlueSnap
Use BlueSnap’s Compliant Surcharging in the manner that suits your business best, via our:
- Fully customizable API
- Quick-to-market BlueSnap Checkout
Depending on how you enable surcharging, your compliance needs and development efforts may vary. BlueSnap always provides guidance on displaying disclosure agreements and setting your surcharge rate.
A Win-Win for You & Your Customers
Transferring credit card processing costs to customers doesn’t have to be negative – many understand the associated fees and still choose cards for the convenience and rewards.
Surcharging encourages low-cost payment options for your customers and can help preserve pricing and competitiveness on your products and services.
Developers
Compliant Surcharging Built-In
BlueSnap has Compliant Surcharging built directly into our platform for eligible businesses. All you need to do is work directly with our support team to determine if your business qualifies.
Single Integration Functionality
Compliant Surcharging built-in to help offset payment processing costs.
Enable surcharging in the U.S., Canada and Australia.
Automatically assess surcharge fees where applicable to protect margins.
Build with Confidence
BlueSnap provides robust, clear documentation and offers live support so you get the answers when you need them.
Visit the BlueSnap Developer Hub
to get started.
Get the credentials you need with a BlueSnap account.
Access in-depth tools and important information.
Easy access to the important documentation you need.
Walkthroughs for leveraging our payment functionality.
Quick answers to common questions about BlueSnap.
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Use Surcharging to Offset Payment Processing Costs
Sage Intacct Surcharging: How to Cut Costs & Improve Margins on Payments
*BlueSnap enables Compliant Surcharging in the U.S., Canada and Australia. Merchants are referred to the provisions in the BlueSnap Merchant Terms & Conditions relating to surcharges.. See our Terms and Conditions.
Frequently Asked Questions
What is a surcharge?
A surcharge is an additional fee a merchant may add to a transaction when a customer pays with a credit card, used to help offset the cost of accepting that payment type. The surcharge fee percentage is based on card brand and location rules. Surcharging is optional, and merchants choose whether to implement it in accordance with card brand rules and geographic regulations.
Which countries and payment methods does BlueSnap’s surcharging solution support?
BlueSnap’s compliant surcharging solution supports merchants with legal entities in the U.S. and Canada and permits surcharging on credit cards. Supported card brands include Visa, Mastercard, American Express and Discover, as well as Apple Pay.
What are the maximum allowable surcharge rates by country?
Maximum allowable surcharge rates vary by country and are set by card brand rules and local regulations. BlueSnap’s surcharging solution adheres to the following limits:
- In Canada, the maximum is 2.4%.
- In the United States and its territories (except Oklahoma), the maximum is 3%, with Oklahoma capped at 2%.
What disclosures are required when surcharging customers?
When surcharging customers, merchants must disclose the surcharge on the checkout page, indicating the percentage that will be applied for paying with a credit card. Some U.S. states, such as New Jersey, also require a disclosure on the merchant’s home page. The surcharge must appear as a separate line item on the receipt, and the total amount charged, including the surcharge, is processed as a single transaction. BlueSnap provides guidance on disclosure requirements and automatically adds disclosure messages to Payment Link and checkout pages where surcharging is enabled.
What is the difference between a surcharge fee and a convenience fee?
The difference between a surcharge fee and a convenience fee is that a surcharge is a regulated fee applied specifically to credit card purchases to help cover the cost of processing, while a convenience fee can only be added when a customer pays using a method considered nonstandard for that type of purchase. Both are regulated by card brands and government rules, but they apply in different contexts and are subject to different requirements.
Who is responsible for compliance when using BlueSnap’s surcharging solution?
The merchant is responsible for ensuring their use of surcharges aligns with applicable local laws, card brand regulations and consumer disclosure requirements when using BlueSnap’s surcharging solution. While BlueSnap provides the technical capability, compliance guidance and monitors card brand and state law changes to keep the solution current, the onus is on merchants to understand the requirements and implement them correctly.